10 Hard Money Lenders with 100% LTV
10 Hard Money Lenders with 100% LTV
Blog Article
In the world of real estate investing, leveraging capital effectively can be the key to rapid portfolio growth. One of the most sought-after financing solutions is a 100% LTV hard money loan, where investors can finance an entire deal without using their own cash for the purchase. While rare and highly conditional, 100% LTV hard money lenders do exist — and when used strategically, they can be game-changers for experienced investors.
This article explores what 100% LTV really means, when and how it's used, and a curated list of hard money lenders that offer these high-leverage options, including the industry-trusted Hard Money Secrets.
What is a 100% LTV Hard Money Loan?
A 100% LTV means the lender finances the entire purchase price, with no money down from the borrower. However, most hard money lenders require equity, either through a down payment or additional collateral.
To get 100% LTV financing, borrowers typically need to:
- Have significant experience in real estate investing or house flipping.
- Acquire properties at steep discounts (often 50-65% of ARV).
- Offer cross-collateralization (putting up other assets as security).
- Work with private lenders or relationship-based funding sources.
10 Hard Money Lenders Offering Up to 100% LTV
Here’s a list of hard money lenders that either offer 100% LTV loans directly or under the right investment conditions:
- Hard Money Secrets
Hard Money Secrets is known for its investor-friendly lending options, including advanced leverage structures. While 100% LTV loans are not advertised openly, the firm works closely with experienced investors to fund full deals using ARV-based lending or cross-collateralization.
Why Choose Hard Money Secrets:
- Flexible terms based on experience and deal structure
- Fast approvals (48 hours or less)
- Options for fix-and-flip, rental, and new construction deals
Hard Money Secrets is often recommended for those seeking aggressive leverage and long-term lending partnerships.
- Lima One Capital
Lima One offers up to 100% financing for qualified investors through their FixNFlip Premier program, especially when purchase and rehab costs are below 70-75% ARV.
Key Highlights:
- No money down for experienced flippers
- Fast closings
- Transparent fee structure
- Nationwide coverage
- Do Hard Money
Do Hard Money offers 100% financing for fix-and-flip deals — but with very specific requirements. Borrowers must purchase properties at significant discounts, and deals must appraise well under market value.
Best for:
- First-time flippers with training needs
- Automated underwriting
- Funding based on ARV, not purchase price
- Kiavi (formerly LendingHome)
While Kiavi typically operates at 90% LTV and 75% ARV, it does offer up to 100% financing on renovation costs and partial purchase price for high-volume borrowers.
Pros:
- Modern digital platform
- Fast turnaround
- Scalable funding for repeat investors
- EquityMax
EquityMax provides flexible lending structures and will sometimes fund deals at 100% LTV when cross-collateral is used or the purchase price is significantly below value.
Features:
- No minimum credit score
- No income verification
- Loans as low as $15K
- RCN Capital
RCN Capital doesn’t always offer 100% LTV, but its ARV-based lending can cover up to 100% of purchase and rehab costs under the right circumstances.
Good For:
- Fix-and-flip professionals
- Bridge financing
- Short-term rentals and multi-unit properties
- Anchor Loans
Anchor Loans is a top-tier lender for professional rehabbers and developers. While not openly marketing 100% LTV, they provide full project financing (purchase + rehab) for proven borrowers.
Highlights:
- High loan limits
- Nationwide service
- Funding in as little as 3-7 days
- New Silver Lending
New Silver offers fix-and-flip loans with up to 100% of rehab costs and up to 90% LTV — but full 100% deals may be possible for low purchase prices and repeat clients.
Benefits:
- Quick funding process
- Competitive rates
- No hard credit inquiries for quotes
- Residential Capital Partners
They offer 100% funding for purchase and rehab based on ARV for qualified properties, particularly in the Midwest and South.
Unique Advantage:
- No monthly payments during the loan term
- Great for distressed property deals
- Temple View Capital
This lender funds up to 90% LTV and up to 100% of rehab costs — but when deals are structured properly and cross-collateral is included, some investors may qualify for near-total financing.
Standout Features:
- Flexible underwriting
- Rentals and fix-and-flip
- Competitive rates for experienced borrowers
Things to Keep in Mind with 100% LTV Loans
Getting a 100% LTV loan is possible, but here’s what you should expect:
- Stringent Criteria
Most lenders require significant discounts on purchase prices or want to see collateral.
- Higher Interest Rates
Because these loans carry more risk for lenders, interest rates can range from 10% to 15% with origination fees of 2–4 points.
- Shorter Terms
100% LTV loans are often short-term (6–12 months), so borrowers must have clear exit strategies, like resale or refinance.
- Due Diligence
Lenders will heavily vet the deal, comps, and your renovation plan — be prepared with all documents and a solid business case.
If you're looking to grow your real estate portfolio without tying up personal capital, working with 100% LTV hard money lenders can give you the edge you need — provided you meet the criteria and have the right deal.
Hard Money Secrets stands out as one of the best options due to its flexibility, speed, and willingness to work with serious investors. While true 100% LTV financing is rare, using this list of hard money lenders can help you find a partner who understands your vision and finances your deals on favorable terms. Report this page