Realty Lending USA
Private Money Lender
Struggling to secure a loan?
About Realty Lending USA
Are you struggling to secure a loan through traditional means? Look no further! At Realty Lending USA, we specialize in private money loans, commonly referred to as hard money loans, tailored to meet your unique lending needs. Unlike conventional banks, our flexible guidelines allow us to overlook FICO scores and credit history, ensuring that your financial goals remain within reach.
Don’t let challenges hold you back from your deal flow. Contact us today and let Realty Lending USA be the private money lender that turns your deals into reality!
Our Process
Want to Take Out a Loan? Here's How It Works
Complete the application form and provide all supporting documents.
Click Here.
Your documents go through underwriting, which can be completed within 24 hours.
The loan is either approved or denied. If approved, terms are agreed upon, and loan documents are signed.
Documents go into Escrow, and the loan is closed.
Our Best Features
WE ARE KNOWN FOR
Quick Loan Closing
No Upfront Fees
Funding 5-7 Days
Foreign Nationals
No FICO Needed
Lend on Assets
Fast Underwriting
Number Focused
Peace of Mind
Our Service Areas
We Lend in Nevada
Investing in Las Vegas real estate offers a mix of opportunities, particularly for both long-term and short-term investments, due to its vibrant tourism, growing population, and diverse economy.
The Las Vegas market, featuring areas like the Strip, suburban neighborhoods, and revitalizing downtown, is lucrative but also competitive and subject to volatility. Success in this dynamic environment requires careful market research, awareness of regulatory nuances, and guidance from local experts.
LAS VEGAS GATED COMMUNITY
TOWNHOUSE FLIP
In November 2023, an investor capitalized on Angels expertise in flexible financing to purchase a townhome for $235,000, well below market value, aiming for a profitable flip. With a $245,000 loan from Angels Team, which emphasizes investment profitability over borrower creditworthiness, the project was uniquely positioned to succeed. The loan included terms like interest-only payments, enhancing the financial feasibility of this venture in a market characterized by lower purchase costs and strict community regulations.
Focusing renovations on high-return areas such as the kitchen and bathrooms, the project aimed to maximize the townhome’s market appeal and align with current design trends. By April 2024, the property was sold for $350,000, covering all associated costs and yielding a significant profit. This outcome underscores the effectiveness of rapid and adaptable financial solutions in facilitating successful real estate flips, particularly in competitive and time-sensitive markets. See more pictures before and after. Read more, click here…
We love seeing the community appreciate our work
Needles Marina, California
Address: Needles Marina, CA
Value: $12,000,000.00
Purpose: Initial loan to buy-out partner and then provided a subordinated loan, behind our original first mortgage, used for the following: upgrade electric & sewer, add fire protection system, build out storage center, and remove existing pool in order to construct a new resort style pool & spa.
Influencer Vegas Pauly C Loves Needles Marina
In this video which is about Needles Marina, California 33-acre property with a half-mile beach on the Colorado River, listed for sale for $10.5 million. The video is filmed by Vegas Pauly C, an Influencer who finds real estate fascinating.
The property is located near Needles, California and borders the Colorado River. The river is low in winter, but in summer, the water level rises and covers more of the property. The undeveloped property has amazing views of the desert sky and Arizona on the other side of the river.
Vegas Pauly C thinks this property is a great buy and expects someone from California to buy it. He says he will do another video of the property in the morning.
The Difference
Private Money Lender vs. Hard Money Lender
Private money lenders and hard money lenders are both alternative financing sources outside of traditional banking systems, primarily used in real estate transactions. Private money lenders are usually individuals or groups lending their personal funds, often based on personal relationships, which can lead to more flexible loan terms and potentially lower interest rates.
They may also be more versatile in the purpose of the loan, and are not limited to real estate. In contrast, hard money lenders are professional entities that lend money for real estate projects, focusing on the property’s value rather than the borrower’s creditworthiness. This professional approach means hard money loans tend to come with higher interest rates and fees, reflecting the higher risk and the demand for quick returns. Hard Money Lenders are known for quick foreclosures.
Although both types of lenders secure loans against real estate, hard money lenders typically have a more formal approval process, yet can provide quicker access to funds compared to traditional banks.
While private lenders offer a more personal and potentially negotiable lending experience. Realty Lending USA. We prefer to use the term Private Money Lender.
John & Angel are real people in the Community wanting Win/Win solutions for our Investors and Borrowers. The best deals are when everyone WINS! Investor, Deal Maker and the Community.
We may use the term Hard Money Lender for optimization reasons.
John Rasmussen and Angel Fajardo
Private Money
Private money loans come from individual investors or private entities not affiliated with a financial institution. These loans are often more flexible in terms of loan terms and approval criteria. Private lenders are typically individuals the borrower may know personally, such as family members, friends, or business associates. This kind of financing is often used because it can be quicker and less bureaucratic than securing a loan from a bank. The terms of private money loans, including interest rates and loan durations, are highly negotiable and depend on the relationship between the borrower and the lender.
Hard Money
Hard money loans are also non-bank loans, but they come from professional lenders who lend money based on the asset being purchased, rather than the borrower’s creditworthiness. These lenders are typically organized as business entities and specialize in these kinds of loans. Hard money loans are common in real estate transactions, particularly for property flipping or when a quick purchase is necessary that traditional lenders cannot accommodate on time. These loans usually have higher interest rates than both traditional and private money loans and often feature shorter repayment periods. Hard money lenders focus primarily on the value of the collateral securing the loan, rather than the borrower’s ability to repay. In summary, while both private and hard money loans offer alternatives to traditional financing, they serve different purposes and come with different expectations and terms. Private money is more personal and flexible, while hard money is more structured, professional, and typically more expensive.
Testimonials
What our Clients Says
FREQUENTLY ASKED QUESTION
An accredited investor, as defined by regulatory authorities, is an individual or entity recognized for his, her, or its financial acumen and robust economic foundation. …See More
Investing in real estate involves the purchase, ownership, management, rental, and/or sale of real estate for profit. Real estate is a distinctive asset class that’s often considered a good investment option due to its potential for generating income. …See More
Have a secured property ready to Finance and fill out the application form. …See More
We lend primarily in Real Estate, in the Las Vegas Metropolitan area but are open to the right opportunities elsewhere.
Investing in Las Vegas real estate can be attractive for several reasons: …See More
Explore the intricate world of hard money lending through detailed case studies. Understand how these loans operate, their benefits, risks, and impact on real estate projects. …See More