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Fix & Flip
Acquisition and renovation funding for properties intended to be improved and resold.
Real Estate Investor Funding
Move Fast When the Right Deal Appears
Tell us about your investment property and funding needs. Keystone Shift Properties helps investors connect with financing options for time-sensitive, asset-based real estate transactions.
Education
What Is a Hard Money Loan?
A hard money loan is short-term, asset-focused financing commonly used by real estate investors when timing, property condition, or the business plan may not fit conventional lending guidelines.
Lenders generally evaluate the property itself, the purchase price, the renovation scope, the exit strategy, the borrower's experience, available liquidity, and the credit profile. Requirements vary by lender, and no two programs are identical.
These loans can cost more than conventional financing. They should be evaluated carefully against a deal's projected returns, holding costs, and risks before moving forward.
Eligible strategies
Investment strategies we work with.
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Subject-To Transactions
Financing needs related to a business-purpose acquisition involving an existing loan. Availability and structure depend on lender review and transaction legality. Hard money does not automatically replace, satisfy, or approve an existing loan.
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Buy & Hold / BRRRR
Acquisition or renovation bridge financing before stabilization or a long-term refinance.
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Novation Properties
Funding needs tied to investor-led renovation or transaction costs in a properly documented novation structure. Availability depends on lender and legal review.
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Bridge / Transactional Funding
Short-term needs between transactions. Availability is not guaranteed and depends entirely on lender programs and the specifics of the transaction.
Typical considerations
What Lenders Typically Review
- Property address and type
- Purchase price and requested loan amount
- Estimated after-repair value and supporting comps
- Renovation scope and budget
- Exit strategy and timeline
- Borrower/entity experience, liquidity, and credit profile
These are typical considerations, not guaranteed requirements. Each lender sets its own criteria, documentation standards, and review process.
How it works
A clear path from deal to lender.
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Submit the project
Share the property, the numbers, and your business plan using the form below.
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We review for completeness
Keystone Shift reviews the information provided and may follow up for missing details.
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Information may be shared
Matching information may be shared with appropriate third-party financing providers.
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You work with the lender
The applicant works directly through lender underwriting, documentation, and closing.
Submitting the form does not trigger a hard credit inquiry by Keystone Shift Properties, Inc.
FAQ
Common questions.
Not necessarily. The property and the deal's numbers are central to the review, but most lenders also consider the borrower or entity, experience, liquidity, credit profile, and the exit strategy. Weighting of each factor varies by lender.
Funding inquiry
Tell Us About Your Deal
The more detail you provide, the more useful the review. This inquiry is for business-purpose real estate investment transactions.