How private money lending works
Private money lenders fund real estate loans with private capital rather than bank deposits. That frees them from rigid bank guidelines: no tax returns or DTI, no months-long committee process, and more room to finance properties that need work.
Win-Win Capital Funding lends directly on residential investment and multifamily projects and brokers commercial and specialty loans through 2,000+ capital partners, so one application can reach the right source for almost any deal.
When private money beats a bank
- The property needs renovation and won't pass a bank appraisal
- You need to close in days, not 45–60 days
- You're self-employed or write off most of your income
- You own several properties and have hit conventional loan limits
- You have credit issues, a recent bankruptcy or no U.S. credit
Choosing a private lender
Compare the total cost, not just the rate: points, fees, draw fees, extension fees and prepayment terms. Ask whether interest is charged on the full loan or only on funds disbursed (ours is disbursed-only), and make sure the lender actually funds your property type in your state.
Private Money Lenders: terms at a glance
| Short-term | Fix & flip, bridge, construction: 6 – 24 months |
|---|---|
| Long-term | DSCR and no-doc: 30-year fixed |
| Commercial | Bridge, lite-doc and permanent through partners |
| Borrowers | LLCs, corporations, foreign nationals, ITIN |
| Credit | Programs from no credit minimum to 740+ |
Terms shown are representative and subject to underwriting, appraisal and state availability. All loans are business-purpose loans on non-owner-occupied property. This is not a commitment to lend.