Hard Money Loans in Thurston County Washington
We provide fast, asset-based hard money loans for real estate investors, developers, and brokers across Thurston County, WA. Whether you’re acquiring, rehabbing, or refinancing investment property, our flexible loan programs help you close in as little as 5 business days.
What Is a Hard Money Loan?
A hard money loan is short-term real-estate financing secured by the property itself. It’s ideal for investors who need speed, flexibility, or unconventional property types.
Use Cases Include:
- Fix-and-flip projects
- Bridge loans for acquisitions
- Land and construction loans
- Cash-out refinances for investment properties
- Short-term rental or DSCR transition funding
How to Qualify?
- Own or have a purchase contract for real property
- Submit scope of work (if rehab or construction)
- Entity (LLC or corporation) ownership preferred
- Defined exit strategy (sale or refinance)
- No FICO minimum
- Minimal documentation
- Same-day conditional approvals
Property Types Eligible
- Single-family, multifamily, and mixed-use
- Fix-and-flip or rental properties
- Commercial and retail buildings
- Land or ground-up construction projects
Local Market Focus
Local Insights:
- Proximity to Tacoma and Seattle expands buyer demand
- Olympia’s government employment base supports property stability
- Strong appetite for renovated and turnkey rentals
- Competitive permitting processes for value-add projects
How the Process Works
Submit your loan request
Receive terms within 24 hours.
Close in 5–10 business days.
Fund renovation draws or property purchase.
Exit via refinance or sale.
Benefits over Traditional Banking
Approval Speed (24–48 hours)
Property Type Distressed OK
Underwriting Focus Collateral & ARV
Closing Time (5–10 days)
Documentation Minimal
Why Washington Investors Choose LoiNow
- Experience You Can Trust: LoiNow has funded over 1,000+ investment and rehab projects throughout Washington, including Olympia, Lacey, and Tumwater. Our expertise in private capital lending ensures your deals close on time — every time.
- Flexible, Transparent Terms: We lend based on property equity and potential value (ARV) — not income or credit score.
Program Highlights:
- Loan Amounts: $75K – $10M+
- Term Length: 6–18 months (interest-only)
- LTV: Up to 70% of ARV
- No income or tax returns required
- Closing in 5–10 business days
- Rehab and construction financing available
FAQs
Most loans close within 5–10 business days after approval.
No, we lend based on asset value, not income or tax returns.
Yes, rehab budgets are released through flexible draw schedules.