Hard Money Loans in Columbia County Washington
LoiNow provides hard money loans designed for real estate investors, not banks. We fund based on the property and project, not personal income. Whether you’re flipping, rehabbing, purchasing at auction, or need quick bridge capital — we close in days, not months.
Why Investors Use Hard Money Loans
Banks take too long. Investors move fast.
Traditional banks want:
- Tax returns
- W-2 income
- Reserves
- Slow underwriting and committee approval
How to Qualify?
- Minimum documentation
- Credit checked but flexible
Must be for business purpose/investment use
Property Types Eligible
Hard money loans available for:
- Fix and flip properties
- Rental acquisitions / BRRRR strategy
- Small multifamily (2–20 units)
- Mixed-use commercial assets
- Distressed, vacant, or bank-owned properties
Auction, REO, foreclosure purchases
Why Investors Choose LoiNow?
With LoiNow:
✅ No income documentation
✅ No tax returns or W-2s required
✅ Same-day term sheet
✅ Funding as fast as 3–7 days
✅ Perfect for off-market deals & distressed assets
How the Process Works
Submit Deal Scenario
Send us the address, purchase contract, and timeline.
Same-Day Soft Terms Issued
No hard credit pull.
Fast Closing
Loan docs to title, closing in as little as 5–7 days.
Benefits over Traditional Banking
Approvals in days
Distressed property support
Closing in 5 - 7 days
Rehab financing included
No Income Docs Required
Loan Program Overview
Category | Traditional Bank | LoiNow Hard Money Loan |
Time to close | 45–90 days | 3–7 days |
Requires tax returns & W-2s | ✅ Yes | ❌ No |
Funds distressed / auction property? | ❌ No | ✅ Yes |
Rehab funds included? | ❌ No | ✅ Yes |
Based on property or borrower? | Borrower | Property + ARV |
FAQs
Most loans close in 3–7 days.
No. We fund based on the asset, not personal income.
Yes. We fund first-time investors with a strong exit plan.