Investor-Focused Hard Money Lending

Ryan Davies is the founder of Hard Money Pros and serves as Principal | Private Hard Money Deal Strategy & Structure—a Utah-based private lending firm focused on disciplined, asset-first real estate lending.

Ryan has been actively investing in real estate for over 15 years, building, acquiring, and structuring deals across multiple property types. Through long-term investing, strategic refinancing, and disciplined deal selection, Ryan achieved financial independence and transitioned away from transactional work to focus exclusively on capital strategy, lending, and deal structuring.

Today, Ryan's professional focus is intentionally narrow and specialized. He works exclusively in:

• Hard money and private lending
• Residential and commercial refinances
• Buyer-side business brokerage

Ryan holds active licenses as a real estate broker, mortgage broker, and business broker, allowing him to evaluate deals from multiple angles — asset, financing, and transaction structure — rather than viewing them through a single silo.

This multi-disciplinary background gives Ryan a practical, real-world perspective on risk, timelines, and execution. He understands how lenders think, how investors operate, and how deals actually perform after closing — not just how they look on paper.

At Hard Money Pros, Ryan applies an asset-first underwriting philosophy, prioritizing conservative loan-to-value standards, realistic exit strategies, and clear expectations. He believes most failed deals are not capital problems, but structure problems, and his role is to identify those issues early and address them honestly.

Ryan is known for being straightforward, educational, and transparent — even when the answer is "no." He would rather protect capital and long-term relationships than force a deal that does not make sense.

Through Hard Money Pros, Ryan works directly with borrowers and private capital partners to deliver disciplined capital, clear communication, and professional execution in an industry where clarity and structure matter most.