How fast can we close?

Typical hard money closes in 10–14 days. With a clean borrower and a title company that's awake, we've closed in seven.

What loan-to-value can I get?

Most lenders go to 85–90% of purchase plus 100% of rehab, capped at 70–75% of after-repair value (ARV). We size the deal to the tighter of those numbers.

Is there an exit strategy requirement?

Always. Lenders want to see either a sale or a refinance into long-term financing (often DSCR). We map the exit before you close the bridge.

Investor Loan

Hard money — speed and leverage for flips and bridges.

Short-term capital sized to the deal: fix-and-flip, bridge, and BRRRR acquisitions across Indianapolis and the surrounding counties.

10–14 days

Close in

Up to 90%

LTC

Up to 100%

Rehab

12–24 mo

Term

Best fit for

Fix-and-flip investors needing speed and rehab capital
BRRRR investors bridging into a DSCR refinance
Buyers competing on distressed or auction properties

Worth knowing

Rates and points are higher than long-term financing — that's the cost of speed
Lenders underwrite the deal AND the borrower's track record
Plan and document the exit before you close

Questions we hear

How fast can we close?: Typical hard money closes in 10–14 days. With a clean borrower and a title company that's awake, we've closed in seven.
What loan-to-value can I get?: Most lenders go to 85–90% of purchase plus 100% of rehab, capped at 70–75% of after-repair value (ARV). We size the deal to the tighter of those numbers.
Is there an exit strategy requirement?: Always. Lenders want to see either a sale or a refinance into long-term financing (often DSCR). We map the exit before you close the bridge.

Want to see if this fits your situation?

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Program details shown on this page — including down payment percentages, terms, and qualifying figures — are general guidelines from wholesale lender programs and are provided for informational purposes only. They are not an offer of credit, an advertisement of specific credit terms, a rate quote, or a commitment to lend. Actual down payment, rate, annual percentage rate (APR), term, points, fees, and monthly payment depend on your credit, income, assets, property, occupancy, and the lender's underwriting, and are disclosed only after a complete application. Program availability and terms are subject to change without notice. All loans subject to credit approval.

Dages Capital is a mortgage brokerage licensed in Indiana, NMLS #2802965. Equal Housing Opportunity.