When you’re ready to fund your next investment property, the loan you choose can be the difference between closing the deal and losing it. Should you use a hard money lender or take the traditional bank route? At Star Rich Investments Inc., we’re breaking it down so you can choose wisely and profitably
⚡ 1. Speed of Funding
Hard Money:
✅ Fast approvals
✅ Funding in days, not weeks
✅ Perfect for auctions or hot-market deals
Traditional Loans:
❌ Slow, 30–60 days or more
❌ Delays can cost you the property
🛠 If you need to move fast, hard money wins every time.
🔍 2. Approval Process
Hard Money:
✅ Focused on the property, not just credit
✅ We care about the deal potential
Traditional Loans:
❌ Heavy emphasis on credit score, income, and W-2s
❌ Harder for self-employed or investors with unconventional finances
🛠 If banks have turned you down, we’re here to say yes when it makes sense.
🏚 3. Property Condition
Hard Money:
✅ Great for fix-and-flip, distressed, or non-owner-occupied properties
Traditional Loans:
❌ Must be move-in ready
❌ Limited to certain property types
🛠 Hard money is built for investment properties. Period.
💰 4. Rates & Terms
| Loan Type | Rates | Term Length | Best For |
| Hard Money | 8–12% | 6–24 months | Flips, short-term holds |
| Traditional | 6–8% | 15–30 years | Long-term buy-and-hold |
🛠 Use hard money to close fast and refinance later if needed.
🧠 5. Exit Strategy is Key
With hard money, you need a clear plan:
- Flip & sell?
- Refinance into a long-term loan?
- Payoff from other income?
✅ We’ll help you build that plan from day one.
🔑 Quick Summary
Choose Hard Money If You:
- Need funding FAST
- Are you buying a fixer-upper or distressed property
- Have been denied by a bank
- Want to make cash-like offers
- Plan to flip or refinance soon
Choose Traditional Loans If You:
- Have perfect credit and a strong income history
- Are you buying a long-term rental
- Aren’t in a hurry
📣 Ready to Fund Your Next Deal?
At Star Rich Investments Inc., we offer:
✅ Nationwide lending
✅ Short & long-term loans
✅ Fix & Flip, Bridge Loans, Buy & Hold (30-year)
✅ Fast, no-hassle approvals
📞 Call: (805) 209-9988 or Toll-Free: (800) 523-6064
📧 Email: starrichinvestments@gmail.com
🌐 Apply now at: www.starrichfunding.net
🎯 Don’t wait for the bank—fund your deal fast with Star Rich Investments Inc.