Need to Exit Your Hard Money Loan?

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We say yes when others say no

Scenarios Other Lenders Decline

Hard money exits fall apart over the same handful of issues. Here is what we can still work with when your current lender or bank has already said no.

Fix-and-hold DSCR available

Exit into a long-term DSCR loan that qualifies on the property’s rent — not your tax returns.

Vacant properties OK

No tenant in place is not a dealbreaker. A vacant property can still be refinanced.

Recently listed on MLS OK

Had the property listed for sale, or still listed? That alone won’t stop your refinance.

Up to 3x30-day lates OK

Up to three 30-day late payments in the last 12 months on the subject-property loan can still work (verification of mortgage).

Vacant short-term rentals OK

An empty Airbnb or vacation rental between bookings is still eligible.

First-time investors eligible

First-time investors can qualify for a cash-out refinance — no prior deal history required.

Each flexibility is evaluated case-by-case. Multiple exceptions on a single loan are subject to underwriting review — not every combination is available together. Subject to credit review, property appraisal, and lender guidelines. Not a commitment to lend.

Last updated: July 28, 2026

What Is Hard Money Loan Rescue?

Hard money loan rescue is the process of exiting a maturing or distressed hard money loan before its balloon payment comes due — usually by refinancing the short-term note into longer-term financing such as a DSCR loan, a conventional investment loan, or a new bridge loan. The new lender pays off the hard money lender at closing, the lien is released, and the balloon deadline disappears. Most exits take two to six weeks, which is why the biggest mistake investors make is starting too late.

How does refinancing out of a hard money loan work?

You replace the hard money note with permanent or bridge financing before it matures. The new lender orders an appraisal, reviews the property’s condition and income, and wires the payoff directly to your hard money lender at closing. Most investor refinances cap out around 75–80% loan-to-value, and the property’s current status — finished and rented, or still mid-renovation — decides which exit you qualify for.

What are the three ways to exit a hard money loan?

Nearly every hard money rescue runs through one of three paths. Which one fits depends on whether the property is stabilized, how your income documents, and how much time is left before maturity.

Exit path	Best when	Qualifies on	Typical timeline
DSCR loan	Property finished and rented or rent-ready	Rental income, not tax returns; often no seasoning	2–4 weeks
Conventional loan	Strong documented income, lowest long-term cost	Full income docs; seasoning limits cash-out	4–6 weeks
Bridge loan	Property not yet stabilized or renovation unfinished	The asset; 12–24 months to finish, then refinance	Days to weeks

For the full mechanics of each route, read our pillar guide on how to refinance out of a hard money loan.

When should you start a hard money exit?

Start at least 90 days before your maturity date. That buffer absorbs an appraisal delay, a title surprise, or a condition you need to fix without forcing you into an expensive extension. If you are already past maturity, the loan is in default and default-rate interest is accruing daily — a rescue refinance can still stop the clock, but every week makes the payoff larger. See your six options when a hard money loan is maturing.

Exit Guide