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Hard Money Lending

Some of the benefits of our Hard Money Lending:

Owner occupied:

  • Can Lend any where in CA, FL, AZ, TX
  • Loans based on the equity of the subject property, not your credit
  • Up to 65% LTV for refinance, higher if they have other properties with equity for cross collateral
  • Point are capped at 3
  • Rates cap at 10%
  • 30 year term with 5 years fixed
  • payment includes interest, taxes, & insurance
  • Client does have to income qualify the same as a conventional loan but the credit doesn’t matter
  • If the money is being used for business purposes, the loan is a lot easier to structure
  • Typically takes about 1 – 2 months to close

Non owner occupied/Investment Property:

  •  Can Lend any where in CA, FL, AZ, TX
  • Loans based on the equity of the subject property, not your credit
  • Up to 80% LTV and up to $20 Million per property
  • Rates and points are based on the risk and/or location of the property
  • We can fund in as little as 3 days
  • We are Direct hard money lenders
  • In House processing and funding
  • Points & rates are negotiable based on volume of loans you bring in
  • Appraisals aren’t always required
  • Short terms 1 – 2 years
  • Only 3 Months prepayment penalty
  • Type of loans: refinance, pruchase, 1st Td’s, some 2nd Td’s.


We also offer No Credit Score Special Funding Programs for Commercial Real Estate and Business Loans $2,500,000 to Billions with 5% down, 4% interest fixed (as of 5/2017, subject to change,) 60 day close and may other programs at and


Sincerely and with gratitude,

Joseph P. Tufo

Cash Flow Specialists, Inc.

Certified Cash Flow Consultant, Certified Capital Specialist

925-352-6000 Cell 800-669-2700 (USA Only) PFP, Community Opportunities, REEP

Skype: jptufo




Commercial Real Estate Loans, Business Funding, WOTC, Cost Segregation, R&D Tax Credit, Property Tax Mitigation, and More…

Providing Honest Answers in a Timely Manner No Matter How Difficult the Situation

Trust, Integrity and Service Here Today Here Tomorrow

You may schedule a visit and meet me in person in the beautiful San Francisco Bay Area

Available 8am to 6pm Pacific Any Day But Sunday And Holidays

(Gus G. HML 20170508)

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