Hard Money Loan Scenarios
Divorce Property Buyout
Hard money financing for divorce property buyouts. When one spouse buys out the other's equity in the marital home or investment property, speed and certainty matter. Learn how asset-based loans can fund buyouts in 7–10 business days. Non-owner occupied or willing to move out.
How Hard Money Fits This Situation
When a marriage ends, one spouse often buys out the other's equity in the marital home or an investment property. Banks can be slow and paperwork-heavy at a time when you need clarity and a clear path to close. Hard money loans can provide short-term financing to complete the buyout quickly, with the property securing the loan.
Our lending partners evaluate the property's value and your exit strategy—typically refinancing into a conventional loan once the divorce is finalized and you have clear title. The key requirement: the property must be (or become) non-owner occupied, or you must be willing to move out. If the numbers work and the property is treated as investment/business-purpose, many of our investors will fund these situations.
Funding can often be completed in 7–10 business days for qualifying deals, giving both parties a faster resolution. We do not provide legal or divorce advice; we only arrange financing when the deal structure and property use align with our lending guidelines.
Why Consider Hard Money
- Fast closing so divorce property transfers can complete on schedule
- Asset-based underwriting focused on property value and exit strategy
- Property must be non-owner occupied or borrower willing to move out
- Common exit: refinance into a conventional loan after divorce is final
- Works for marital home or investment property buyouts when guidelines are met
Investment properties only • Non-owner occupied • Business-purpose lending
Our lending partners fund investment real estate only. The property must be non-owner occupied (or you must be willing to move out / have a clear exit). We do not finance primary residences.
Frequently Asked Questions: Divorce Property Buyout
Yes, when the property will be non-owner occupied or you are willing to move out and the numbers make sense. Our lending partners treat this as business-purpose, asset-based lending. The property secures the loan; you'll need a clear exit strategy, often a refinance into a conventional loan once the divorce is finalized and title is clear.
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