No Monthly Payment Loans | Hillcrest Lending

How It Works Investors About Contact

(818) 650-4891 Get Pre-Qualified

Hard MoneyFast funding based on the property, not your paperwork.Stated IncomeQualify without W-2s or tax returns.DSCRRental loans that qualify on the property's income.ConventionalTraditional financing at our best rates.No Monthly PaymentDefer payments until your loan pays off.ConstructionFinance a ground-up build from lot to finish.Fix & FlipBuy, renovate, and sell with short-term funding.BridgeShort-term financing while you move between properties.DistressedFunding for foreclosures and bank-owned properties.ProbateLoans for inherited and estate properties.Equity Cash-OutTurn the equity in your property into cash.

Hard MoneyFast funding based on the property, not your paperwork.Stated IncomeQualify without W-2s or tax returns.DSCRRental loans that qualify on the property's income.ConventionalTraditional financing at our best rates.No Monthly PaymentDefer payments until your loan pays off.ConstructionFinance a ground-up build from lot to finish.Fix & FlipBuy, renovate, and sell with short-term funding.BridgeShort-term financing while you move between properties.DistressedFunding for foreclosures and bank-owned properties.ProbateLoans for inherited and estate properties.Equity Cash-OutTurn the equity in your property into cash.

How It Works Investors About Contact

Get Pre-Qualified Call (818) 650-4891

Accrual Loan

Zero monthly payments — all interest paid at maturity

Private money loans where borrowers pay nothing monthly. Interest accrues and is paid in full at the end of the loan term.

Get Pre-Qualified

Call 818-650-4891

Private money loan with deferred payment structure

Zero

$0/mo

Monthly Payment

High

75%

Max LTV

Clear

3yr

Max Term

Flexible

None

Credit Minimum

How It Works

Two Sides, One Loan

A unique structure that benefits both borrowers and investors.

For Borrowers

Get funded without monthly payment obligations
All interest accrues and is paid at maturity (loan end)
Ideal for developers and investors who need maximum cash flow during a project
Pay everything at once when you sell, refinance, or reach maturity

For Investors

Earn higher total returns (e.g., 21%+ at maturity) through compound interest effect
Trade monthly income for a larger lump sum at maturity
Same collateral-backed security as all Hillcrest loans
Ideal for long-term investors and self-directed IRAs

Ideal Borrowers

Who Is This For?

The no-monthly-payment structure is designed for specific use cases where preserving cash flow during the loan term is critical.

Fix-and-Flip Investors

Sell before maturity and pay interest from sale proceeds.

Developers

Manage construction cash flow without monthly debt service.

Bridge Loan Borrowers

Wait for a sale or refinance without monthly payments.

Cash Flow Maximizers

Anyone who needs maximum monthly cash flow during their project.

Checklist

What We Need From You

0/5

Do you have everything?

Check off what you have ready. Missing some? Apply anyway — we'll help.

Property
Property located in California
About You
Minimum 25% equity or down payment
About You
Clear exit strategy (sale, refinance, or other payoff plan)
Property
Property appraisal or BPO (broker's price opinion — a lighter appraisal)
Property
Title report and insurance

Missing something?

Don't stress it. Start and we'll guide you through.

Get Pre-Qualified

Our Process

How It Works

Pre-Qualification

Submit your details online or call us. We evaluate your deal within 48 hours.

1

Documentation

Gather required documents. Our team guides you through every step.

2

Underwriting

We review the property, structure the loan, and match you with an investor.

3

Approval & Close

Documents are prepared, funds wired, and the deed of trust recorded.

4

Funded

You receive your capital and close your deal on schedule.

5

Next Step

Ready to Get Funded?

See if you qualify for a No Monthly Payment loan. Our team can give you a preliminary answer within 24 hours.

Get Pre-Qualified Call 818-650-4891

NMLS #1964616

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Questions about No Monthly Payment

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AI-powered. For official quotes, call (818) 650-4891.

Residential and commercial lender specializing in private money, stated income, and conventional loans.

NMLS #1964616

DRE #02114219

Equal Housing Lender

Loan Programs

Hard Money
Stated Income
DSCR
Conventional
Construction
Fix & Flip
Bridge
Distressed
Probate
Equity Cash-Out
No Monthly Payment

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New Loans: 818-650-4891 Existing Loans: 818-405-8480 Investors: 818-405-8302 Corporate: 949-656-4548

investors@hillcrestlending.com

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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.