John 3:16
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The Dominion Hard Money Blog

Straight answers on hard money, fix and flip, and DSCR financing, plus a weekly, sourced look at the numbers that change investor deals.

Latest posts

Rents stopped falling while resale supply kept piling up

The rental side is firming and the resale side is not. That changes which exit you underwrite first.

Bank repossessions jumped 42 percent in August

REO counts jumped 42 percent year over year in August, but auction buyers are still paying two-thirds of retail.

National Flipping Returns Rose. Texas Did Not.

Returns rose nationally for the first time in two years, but four of the five worst major metros were in Texas.

Investor Money Is Now Cheaper Than a Homeowner Mortgage

Freddie Mac put the 30-year fixed at 6.71% this week while DSCR rental loans price from 6.125%.

How Fast Can You Close on a Fix and Flip Loan?

What actually sets the timeline, and the three things that slow a close down.

Common Reasons Hard Money Deals Fall Through

The failures are predictable: no exit, no reserves, an ARV nobody else believes.

How to Calculate ARV and Maximum Allowable Offer

The formula lenders actually use, and the comp rules that decide your loan amount.

Hard Money vs Conventional Financing for Investors

Speed and flexibility against cost. When each one is the right tool.

What Is a Hard Money Loan and Who Uses One?

Asset-based, short-term, business purpose. Who it fits and who it does not.

What Lenders Look For in a Fix and Flip Deal

The scope of work, the comps, the reserves and the exit.

How Much Down Payment Do Hard Money Lenders Require?

Why the answer depends on which ceiling binds first, cost or value.

Building a Relationship with a Private Lender

Why the second deal is easier than the first, and how to earn better terms.

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Looking for a full guide?

The blog covers what changed this week. The guides cover how things work: hard money rates, requirements, fix and flip loans, DSCR loans and the state and city guides.

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Ready when your next deal is

Tell us about the property and the plan. The lending partner's team reviews it and comes back on whether it fits.

About the blog

How often is the blog updated?

A new researched post is published every week, built around one dated figure from a named source.

Where do the numbers in the posts come from?

Each post names its sources, such as ATTOM, Freddie Mac or Apartment List, and the date of the data it uses.

Is the blog financial advice?

No. It explains market data and how investors and lenders commonly use it. Your own deal is priced and decided by the lender on its own facts.

Dominion Hard Money does not lend its own funds; it arranges financing through third-party lending partners. All financing is arranged for business purposes only and secured by non-owner-occupied investment property. Not a commitment to lend. All loans subject to underwriting, property review, and approval by the lender. Terms vary by property, borrower experience, and exit strategy.