Frequently Asked Questions
Bridge Loans FAQ | Rates, Terms & How They Work
Get answers about bridge loans for real estate investors. Learn about rates, LTV, closing speed, and how Veristone Capital structures bridge financing.
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Commercial Real Estate Loans FAQ | Hard Money for Retail, Office & Mixed-Use
FAQ on commercial real estate hard money loans from Veristone Capital. Learn about LTV, terms, mixed-use financing, and commercial appraisals.
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Construction Loans FAQ | Ground-Up Building Financing
Construction loan FAQ covering draw schedules, rates, LTV, timelines, and how Veristone Capital finances ground-up residential and commercial builds.
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Contractor Bids & Scope Alignment FAQ | Hard Money Rehab Loans
FAQ on contractor bids for hard money rehab loans. Learn what bids should include, how many to get, and how to align bids with your scope of work.
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DSCR Loans FAQ | No Income Verification Rental Loans
DSCR loan FAQ for rental investors. Learn how qualification works, rates from 5.3%, LTV limits, and why no tax returns are needed.
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Distressed & Auction Property Loans FAQ | Proof of Funds, Fast Closings & REO Financing
FAQ on buying distressed and auction properties with hard money. Covers proof of funds letters, fast closings, REO financing, and LTV from Veristone Capital.
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First-Time Real Estate Investor FAQ | Hard Money Loans for Beginners
FAQ for first-time real estate investors covering hard money loan basics, how much capital you need, common mistakes, and how to get started with Veristone Capital.
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Fix and Flip Loans FAQ | Rates, Rehab Funding & Terms
Fix and flip loan FAQ covering rates, rehab draws, LTV, closing speed, and how Veristone Capital finances house flipping projects.
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Hard Money Loan Closing & Escrow FAQ | Costs, Timeline & Process
FAQ on hard money loan closing and escrow. Learn about closing costs, timelines, title insurance, and what to expect on closing day with Veristone Capital.
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Hard Money Loan Extensions & Change Orders FAQ | Mid-Project Changes
FAQ on hard money loan extensions and change orders. Learn what happens when your project scope changes, how to request more time, and what it costs.
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Hard Money Loan Interest Rates & Points FAQ | How Pricing Works
FAQ on hard money loan interest rates and points. Learn what affects your rate, how points work, and how to calculate the true cost of a hard money loan.
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Insurance Requirements for Hard Money Loans | Builder's Risk, Liability & Coverage
FAQ on insurance requirements for hard money loans. Learn about builder's risk, liability coverage, and what lenders require before funding your project.
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LLC & Entity Borrowers FAQ | Personal Guarantees, Vesting & Formation
FAQ on borrowing through an LLC or entity for real estate investment loans. Covers formation, guarantees, vesting, and required documents.
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LTV, ARV & Loan Sizing FAQ | How Lenders Calculate Your Loan Amount
Learn how LTV, ARV, and loan-to-cost ratios determine how much you can borrow on a hard money loan. Veristone Capital explains loan sizing for investors.
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Land Development Loans FAQ | Subdivision & Site Work
Land development loan FAQ covering site grading, subdivision, utility installation, LTV, and how Veristone Capital finances horizontal construction.
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Land Loans FAQ | Raw Land Financing for Investors
Land loan FAQ for real estate investors. Learn about rates, LTV, closing speed, and how Veristone Capital finances raw land purchases.
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Loan Application FAQ | Documents, Prequalification & Timeline
Learn what documents you need, how fast the process is, and what can disqualify you from a hard money loan with Veristone Capital.
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Multifamily Loans FAQ | Duplexes, Triplexes & Small Apartments
FAQ on multifamily investment loans from Veristone Capital. Learn about LTV, DSCR options, bridge financing, and underwriting for 2-20+ unit properties.
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Out-of-State Investors FAQ | Remote Lending, Inspections & Entity Setup
FAQ for out-of-state real estate investors. Learn how Veristone Capital handles remote closings, inspections, entity setup, and long-distance deals.
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Permits & Compliance FAQ | Rehab Loans, Building Permits & Timelines
FAQ on building permits for rehab projects, how permits affect hard money loan timelines, and what lenders require before funding renovations.
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Property Inspections & Appraisals FAQ | Hard Money Loan Requirements
FAQ on property inspections and appraisals for hard money loans. Learn about BPOs, full appraisals, draw inspections, and how lenders evaluate property.
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Refinancing Out of Hard Money FAQ | DSCR Takeout & Exit Strategies
Learn when and how to refinance out of a hard money loan. Covers DSCR takeout loans, timelines, costs, and exit strategies for real estate investors.
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Rehab Budget Approval FAQ | What Lenders Look for in Your Renovation Scope
Learn how hard money lenders review rehab budgets, what gets flagged or rejected, and how to get your renovation scope approved faster.
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Scope of Work for Hard Money Loans | Line Items, Bids & Lender Requirements
FAQ on writing a scope of work for hard money rehab loans, including line items, contractor bids, lender review, and draw schedules.
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Working With a Hard Money Lender | What to Expect From Application to Payoff
Learn what to expect when working with a hard money lender, from application and funding through project updates, payments, and payoff.
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