Investing in real estate can be very lucrative, but going it alone can be very challenging. Property investment and house flipping requires a certain degree of savvy, a certain caliber of courage, an insightful understanding of the real estate market, and a reputable hard money lender to make it all work – welcome to Alliance Portfolio!
They say, money makes the world go ’round, and Alliance Portfolio is here to make sure our hard lender money makes its way to San Francisco property investors. We know our communities throughout California have value and are worth investing in. Because of this, it is our pleasure to assist property investors not only in San Francisco and the surrounding Bay Area, but in San Jose, Orange County, Los Angeles, and San Diego as well.
Our hard lender money is backed and secured by a ‘hard asset’ – namely, real estate. While traditional lenders place a borrower’s credit and finances under the metaphorical microscope, we look through the lens of the existing asset and how well a property’s income can support the monthly debt.
Whether this is your first investment journey or your fifth or fifteenth, you have an investment vision and we have financial solutions and expertise to turn those visions into 3-D realities! We have more than 30 years of experience under our belt in this specialized arena.
Why Would One Choose a Hard Money Loan?
Since hard lender money loans are asset-based and not contingent on our San Francisco clients’ creditworthiness, this segues into summarizing the other advantages of a hard money loan vs a conventional loan.
In a nutshell:
- When a traditional lender will not approve a loan due to one’s credit, hard money lenders do. Our loans are, often, approved within 24 hours.
- When a traditional lender will not finance 100% of the investment money required, hard money lenders are more apt to. At Alliance Portfolio, we provide loan amounts from 100K to 10M.
- Real estate investors cannot use traditional financing for distressed properties tagged as flip homes, but we provide hard lender money for that option.
- A conventional loan can take up to a month, or longer, to close. We offer quick-close financing in as little as 5-10 days.
- Conventional loans are, typically, 15 to 30 year terms. Hard-lender money loans provide a short-term option of 1-3 years. San Francisco investors can pay off the balance as soon as a property sells.
- Institutional lenders won’t finance some property types, such as mixed-use properties, but Alliance Portfolio does.
Alliance Portfolio is a Full-Service Lender
We are a full service, private lender – we make investment dreams, realities. San Francisco real estate investors reap the, ultimate, financial harvest via our many loans and services that include a myriad of options that cater to individualized needs.
Many of our clients have qualified for our hard money loans with just 6 months of bank statements, and we impose no credit or debt-to-income restrictions! If you possess a sufficient cash flow and have a clear exit strategy for loan repayment, you are, likely, an excellent candidate for an Alliance Portfolio hard money loan.
Our San Francisco clients enjoy the added benefit of their hard money debts not being recorded on their credit reports! This way, our clients can maintain a clean credit report and maintain their current debt-to-income ratio for any traditional financing products they may seek in the future for themselves or their families.
Take Advantage of Our Free Resources
Alliance Portfolio provides investment and Business Purpose Financing on SFR, Multi-Family, Mixed-Use, Commercial, and Light Industrial properties, and land properties. We offer a generous selection of free resources available at any time – knowledge is power! The more one has a working knowledge about hard lender money and the lending processes involved, the more one can successfully navigate one’s investment decision-making into a wealth-building campaign.
