Loan Programs
Your Deal. Your Terms.
Bad credit? Self-employed? Need to close this week? We have a program for you.
Loan Programs
Bad credit? Self-employed? Need to close this week? We have a program for you.
Program Finder
Answer 3 quick questions and we'll match you with the right loan program.
Step 1 of 3
Select the option that best describes your situation
All Programs
Every borrower is different. Find the program built for your situation.
Asset-based financing for investors and borrowers who need speed, flexibility, and a real answer from a lending team.
Learn moreBank statement financing for self-employed borrowers and business owners whose deposits tell the real income story.
Learn moreRental property financing that qualifies on cash flow instead of personal income, built for rental investors and portfolio builders.
Learn moreFull-documentation financing for borrowers with clean income docs who want competitive terms without the slow bank experience.
Learn morePrivate money loans where borrowers pay nothing monthly. Interest accrues and is paid in full at the end of the loan term.
Learn moreSide by Side
See exactly how each program stacks up — rates, speed, docs, and more.
| Program | Credit MinLowest credit score we accept | Max LTVHow much of the property's value we can lend | SpeedTypical time to close | Income DocsPaperwork needed to prove income | Property TypesWhat the loan can be secured by |
|---|---|---|---|---|---|
| Hard Money | No minimum | 75% | 48 hrs - 2 wks | None (asset-based) | SFR, Multi, Comm, Mixed |
| Stated Income | 620+ | — | Standard | Bank statements | SFR, Multi, Comm, Mixed |
| DSCR | 660+ | — | Standard | Rental income only | SFR, Multi, Commercial |
| Conventional | 620+ | — | Standard | Full (W-2 & tax) | SFR, Multi, Comm, Mixed |
| No Monthly Payment | No minimum | 75% | 1-2 weeks | None (asset-based) | SFR, Multi, Commercial |
4
Programs
$50K-$10M
Loan Range
48hr
Fastest Close
90%
Max LTV
Next Step
Talk to a loan executive who can walk you through your options and get you pre-qualified today.
We offer hard money, stated income (bank statement), DSCR, conventional, and specialty programs including construction, fix & flip, bridge, and equity cash-out loans ranging from $50K to $10M.
Hard money loans can close in as little as 48 hours. Stated income and DSCR loans typically close within 2–4 weeks. Conventional loans follow standard timelines.
Hard money loans have no credit minimum — they're equity-based. Stated income requires 620+, DSCR requires 660+, and conventional requires 620+.
Investors fund individual loans secured by a first mortgage on the property (first-lien trust deeds). Returns of 10%+ are earned through monthly interest payments. Hillcrest handles all servicing.
© 2026 Hillcrest Lending. All rights reserved.
NMLS #1964616 | Licensed by the California Department of Real Estate, DRE #02114219
Loans are subject to credit approval. Terms and conditions apply. This website does not constitute a loan commitment or offer to lend.