Education Center
Comprehensive guides and resources to help you succeed in real estate investing and hard money lending
Hard Money Lending Guide
What is Hard Money Lending?
Learn the fundamentals of hard money loans, how they work, and when they're the right choice for your investment strategy.
- • Asset-based lending principles
- • Speed vs. traditional financing
- • Typical loan terms and rates
- • Exit strategy planning
Understanding LTV & LTC Ratios
Master the key metrics that determine your loan amount and structure your deals for maximum success.
- • Loan-to-Value (LTV) explained
- • Loan-to-Cost (LTC) calculations
- • ARV (After Repair Value) assessment
- • Risk management strategies
Hard Money vs. Traditional Loans
Compare financing options and understand when hard money loans provide the best advantage for your projects.
- • Speed of approval and funding
- • Qualification requirements
- • Interest rates and fees
- • Flexibility in terms
Common Mistakes to Avoid
Learn from others' experiences and avoid costly mistakes that can derail your real estate investment projects.
- • Underestimating repair costs
- • Inadequate exit strategy planning
- • Ignoring market conditions
- • Poor due diligence practices
Working with Hard Money Lenders
Build strong relationships with lenders and understand what they look for in borrowers and deals.
- • Lender evaluation criteria
- • Building credibility
- • Negotiating terms
- • Long-term partnerships
ROI Analysis & Profit Calculation
Master the financial analysis needed to evaluate deals and maximize your return on investment.
- • ROI calculation methods
- • Cash-on-cash returns
- • Break-even analysis
- • Profit margin optimization
Georgia Compliance & Regulations
Georgia Residential Mortgage Act (GRMA)
Understanding Georgia's regulatory framework for residential mortgage lending under OCGA 7-1-1000.
- Licensing requirements for mortgage brokers and lenders
- NMLS registration and unique identifier requirements
- Mortgage Call Report (MCR) compliance
- Record keeping and transaction journal requirements
Required Disclosures
Key disclosure requirements under Georgia law and federal regulations.
- Truth in Lending Act (TILA) disclosures
- Georgia Fair Lending Act compliance
- Equal Housing Opportunity requirements
- Consumer protection disclosures
Important Notice
Axis Point Lending Partners is licensed by the Georgia Department of Banking and Finance. Our NMLS ID: [License Number]. We comply with all applicable state and federal lending regulations.
Real Estate Investment Strategies
Fix & Flip Strategy
Master the art of buying distressed properties, renovating them, and selling for profit.
Property Analysis
Learn to identify profitable opportunities
Renovation Planning
Budget and timeline management
Exit Strategy
Maximizing sale price and timing
BRRRR Method
Buy, Rehab, Rent, Refinance, Repeat - Build wealth through strategic refinancing.
Buy Right
Finding undervalued properties
Tenant Management
Maximizing rental income
Refinance Strategy
Pulling out capital for next deal
Commercial Real Estate
Scale your investments with commercial properties and multi-family units.
Cash Flow Analysis
Understanding NOI and cap rates
Tenant Relations
Commercial lease negotiations
Property Management
Scaling operations efficiently
Land Development
Advanced strategies for land acquisition and development projects.
Due Diligence
Zoning, permits, and feasibility
Project Timeline
Managing development phases
Financing Strategy
Construction and permanent loans
Downloadable Resources
Property Analysis Worksheet
Comprehensive checklist for evaluating investment properties
Flip Calculator Spreadsheet
Excel template for calculating fix & flip profitability
Loan Application Checklist
Complete guide to preparing your loan application
Frequently Asked Questions
Hard money loans can typically be approved within 24-48 hours and funded within 5-7 business days, depending on the complexity of the deal and completeness of your application.
Most hard money lenders offer 60-80% LTV ratios, depending on the property type, location, and your experience level. Some lenders may go higher for experienced investors.
Hard money lenders focus more on the property value and your experience than credit scores. However, a minimum credit score of 600-650 is typically required, though exceptions may be made for strong deals.
Ready to Get Started?
Use our interactive calculators to analyze your next deal or speak with our lending experts