Finance up to 100% of acquisition and rehab costs. Includes our usual low rates with an option for no upfront points.
High leverage means more deals and more profit. Get pre-approved today to get started.
Credit Requirements
At Hedge Wealth Capital, we understand that life happens—perfect credit isn’t required. Instead of focusing solely on your FICO score, we consider the reasons behind any credit challenges. However, if your credit report includes major issues such as bankruptcy, foreclosure, short sale, liens, or judgments within the past 24 months, you may not qualify at this time.
Cash Reserves
We provide financing for up to 100% of both the purchase price and rehab costs. To qualify for our Investor Line of Credit, we recommend having at least $30,000 in available cash reserves. This ensures you’re prepared to act quickly and seize investment opportunities with confidence.
Pre-Approval Advantage (No Deal Required)
You don’t need an active deal to get started. We encourage investors to get pre-approved early, so when opportunities arise, you’re ready to move fast with financing already in place. As part of your approval, we’ll also provide Proof of Funds every 60 days—or anytime you request it.
No. Under normal circumstances, our open lines of credit are not reported to credit agencies. Reporting only occurs if a judgment or collection becomes necessary due to non-payment on your WWC loan or business account. This ensures your credit remains unaffected while you leverage financing for investment opportunities.
We have not had particularly good luck working with brokers, but we are willing to try.
If you are the owner or leader of a Real Estate Investment Association (REIA), or Meet-up group, and you’d like to pitch our services to your members, we would gladly speak to you about compensating you for the referrals.
No. Hard money loans are commercial loans, which means they are business to business. We, by law, cannot lend on personal, homeowner-occupied properties.
We primarily lend on single-family attached and detached houses.
We also underwrite many loans for landlords as well – so feel free to bring us your single-family and multi-family rentals. Remember, our loans are short-term, 6 – 12 months. That means you’ll need to prove that you have a bank lined up to re-fi our loan.
No. You can repay the hard money loan prior to its maturity date with absolutely no additional fee for prepayment.
No. Our WWC loans are structured as “interest-only” with a balloon payment due at the end of the 6–12 month term. This approach is standard for hard money and cash-flow-based loans, providing flexibility and lower monthly payments for investors.
There are multiple ways to finance a property, and each has its advantages and trade-offs. Using a HELOC from another property can be a convenient option.
However, real estate investing carries risk. If a deal doesn’t perform as expected, your primary residence could be at risk if HELOC payments are missed. Even if things don’t get that severe, late payments could negatively impact your credit.
For example, if you have a $100,000 HELOC on your personal residence and max it out to fund a deal, your credit score may temporarily drop. FICO scores are negatively affected when credit utilization exceeds 50% of the available limit.
Choosing a WWC loan instead provides a safer, business-focused financing solution that protects your personal credit while allowing you to grow your investment portfolio efficiently.
LTC and ARV are both factors when determining your loan amount, but we will not calculate your loan based solely off of the purchase price of the property.
Getting approved for a WWC Investor Line of Credit is simple and straightforward. To get started, you’ll need:
Two Years of Tax Returns – Note that the bottom line of your tax returns is not a qualifying factor, as we do not calculate a debt-to-income (DTI) ratio.
Recent Bank Statement – Showing sufficient capital for the investment.
Completed Personal Financial Statement – Providing an overview of your financial position.
Having these documents ready ensures a smooth and fast approval process, allowing you to access your WWC financing with ease.
No. We believe in making the borrowing process as easy as possible. We are the most competitive lender in the country in terms of interest rate and points, but we also believe a borrower should have some amount of skin in the game.
We’ll lend up to 100% of the purchase price and 100% of the rehab.
This is much more than most HML’s will lend.
Closing costs vary across the county, so check with your local investor friendly title attorney for typical closing fee
Yes. We understand that sometimes even the best of deals don’t go as planned. We do however have to pay for the money that we borrow. That said, we’re happy to extend the loan for 1 point per month. That’s 1% of the loan amount in addition to the existing payment.
As a matter of standard operating procedure, all lenders require a clear marketable title prior to loan approval. This protects our investment and it also protects you. Contact your local investor-friendly title company or title attorney. They should be able to provide you with a list of fees that are associated with the title.
If the house is your personal residence, the answer is “No.” If the house is an investment property, the answer is also more than likely, “No,” unless you have a significant amount of equity in that property or another investment property.
We will, however, assist you with a short sale on the property.
No. You are only limited by the amount of the Investor Line of Credit for which we’ll approve you. That number can change as your income or financial situation changes.
