What about heirs who inherited a property?

Heirs often need to refinance or sell inherited property. If the property is investment-purpose (e.g., rental or will be sold) and the deal makes sense, hard money can bridge the gap until a sale or refinance. Title and estate documents are part of the review.

What are typical terms for senior or estate transition loans?

Terms are similar to other hard money loans: typically 6–12 months, interest-only, rates around 10–14%, LTV usually 65–75%. The loan is short-term to complete the transition, then the borrower refinances or sells.

What about heirs who inherited a property?

Heirs often need to refinance or sell inherited property. If the property is investment-purpose (e.g., rental or will be sold) and the deal makes sense, hard money can bridge the gap until a sale or refinance. Title and estate documents are part of the review.

What are typical terms for senior or estate transition loans?

Terms are similar to other hard money loans: typically 6–12 months, interest-only, rates around 10–14%, LTV usually 65–75%. The loan is short-term to complete the transition, then the borrower refinances or sells.

Hard Money Loan Scenarios

Senior & Estate Transition

Hard money financing for senior downsizing, estate transition, and inheritance-related real estate. When seniors or heirs need to sell, refinance, or restructure property quickly. Learn how we can help. Non-owner occupied or exit-focused.

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How Hard Money Fits This Situation

Seniors and heirs often need to refinance, sell, or restructure real estate as part of a move, estate plan, or inheritance. When the property is (or will be) non-owner occupied—for example, a former primary that's now a rental or will be sold—hard money can provide short-term financing to complete the transition.

Common situations include: refinancing to pay off an existing loan and simplify title, bridging until a sale closes, or funding repairs so the property can be sold. Our lending partners focus on the property's value and a clear exit strategy. The property must be investment-purpose (non-owner occupied); we do not finance primary residences.

If the numbers work and the exit is clear, many of our investors will fund senior and estate transition scenarios. Funding in 7–10 business days is typical for qualifying deals.

Why Consider Hard Money

Short-term financing for refinance, sale prep, or transition when property is non-owner occupied
Asset-based underwriting: value and exit strategy matter most
Common uses: payoff existing loan, bridge to sale, or light repairs before sale
Property must be investment/business-purpose; no primary residence financing
Fast closing to align with estate or moving timelines

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: Senior & Estate Transition

Yes, when the property is or will be non-owner occupied (e.g., being sold or converted to rental). We do not finance primary residences. If the senior is moving out and the property will be sold or rented, and the numbers work, our lending partners may be able to help.