Frequently asked questions
Straight answers before you discuss the deal.
Understand the financing conversation, what to prepare, and what happens next. Transaction-specific terms are established through the applicable review, disclosures, and final documents.
Borrower FAQs
The fundamentals of a property-backed loan.
What is a hard money loan?+
A hard money loan is typically a short-term, property-backed loan used for real estate investment transactions. The collateral and project economics receive significant attention, while borrower qualifications and the exit strategy still matter.
What types of properties may be considered?+
We help investors explore financing for non-owner-occupied residential investments, rental portfolios, select multifamily and commercial properties, and construction projects. Property eligibility and any land component depend on the specific financing program and review.
Are these loans for owner-occupied homes?+
No. The website is designed for business-purpose financing on non-owner-occupied real estate. It is not presented as consumer or owner-occupied mortgage lending.
How quickly can a loan close?+
Closing timing varies based on the deal, document readiness, valuation, title, insurance, underwriting, and final loan documentation. Gustafson Capital does not promise a closing date before those requirements are satisfied.
What information starts the conversation?+
Start with your name, email, financing goal, and city or market. Confirm the request is for a business-purpose, non-owner-occupied investment. A property address, financing amount, and other deal details are optional at this first step.
Does submitting a deal guarantee approval?+
No. A website inquiry is preliminary and does not create an approval, rate lock, term sheet, offer, or commitment to lend.
How are rates and fees determined?+
Pricing depends on the financing program, property, leverage, purpose, experience, timeline, market, and overall risk. Proposed terms are specific to the transaction and remain subject to the applicable funding party’s underwriting and final approval. Request a review rather than relying on an advertised starting rate.
Can agents and referral partners introduce deals?+
Yes. Identify your role when you introduce an opportunity, and we will discuss communication expectations and next steps. Any compensation or referral arrangement must be separately documented and permitted under applicable requirements.
How does Gustafson Capital support my financing needs?+
We help you prepare your deal, understand potential financing paths, and coordinate the next steps. Financing may involve independent funding sources. Credit and funding decisions are made by the applicable funding party, and an introductory inquiry is not an approval.
What is an exit strategy?+
The exit is how the loan is expected to be repaid—commonly through a property sale, refinance, stabilization, or another documented source. A credible exit is an essential part of the review.
What should I avoid sending through the first form?+
Do not send Social Security numbers, passwords, bank credentials, complete account numbers, or other highly sensitive personal or financial information. The preliminary form asks only for business contact and property-level details.
Let’s talk financing
Put your next deal in motion.
Share the opportunity and the capital you need. We’ll review the property, your plan, and the proposed exit.