What does Amped-Up Inc do?

Amped-Up Inc is a nationwide private money lender providing fast, asset-based real estate loans for investors. We specialize in hard money loans, fix and flip financing, bridge loans, and long-term investment property loans designed to close quickly and flexibly.

Is Amped-Up Inc a hard money lender?

Yes and No. Amped-Up Inc operates as a private real estate lender, offering short-term bridge loans as well as long term mortgages based on the property cash flow. This property-based financing focuses on the value of the real estate rather than traditional bank requirements.

What types of real estate loans does Amped-Up Inc offer?

Amped-Up Inc offers:

• Fix and Flip Loans

• Ground Up Construction Loans

• 30 Year Purchase Loans

• Cash-Out Refinance Loans

• Short-Term Real Estate Investor Loans

These loans are structured for speed, flexibility, and investor profitability.

Who can qualify for a private money loan?

Our loans are available to:

• Real estate investors

• LLCs and business entities

• First-time and experienced investors

We evaluate the deal, property value, and exit strategy, not personal income.

Do I need tax returns or income verification?

No. Most Amped-Up Inc loans are asset-based, meaning tax returns, W-2s, and traditional income verification are not required.

What credit score is needed for a hard money loan?

Amped-Up Inc does not require a minimum credit score. While credit history may be reviewed, approval is primarily based on property value, borrower experience, and deal strength.

How fast can a hard money loan close?

Many loans have closed in as low as 4 business days and are typically approved within 24 hours once appraisal, title, and documentation are complete. Pre-approvals are often issued within 2-4 hours during normal business hours.

What loan amounts are available?

We typically lend from $50,000 to multi-million-dollar amounts, depending on the property, loan structure, and market.

What loan-to-value (LTV) does Amped-Up Inc offer?

We generally offer:

• Up to 75%-80% LTV on purchase or refinance (30 year) loans

• Up to 90% loan-to-cost (LTC) for fix and flip projects

Final terms depend on the specific deal.

Do you offer fix and flip rehab financing?

Yes. Amped-Up Inc provides up to 100% of the rehab funds for fix and flip projects, distributed as work is completed. For a better idea of our draw process, please visit How do I process a Draw Request  

Are there prepayment penalties (PPP)?

Our Bridge products (such as Fix & Flip Loans & Ground Up Loans) do not generally have any PPP. Our 30 year mortgage product has multiple options with and without PPP depending on the property area and the preferred interest rate (Higher PPP=Lower APR)

Do you lend nationwide?

Yes. Amped-Up Inc offers nationwide private lending for real estate investors across most U.S. states, subject to local regulations and property type.

What property types do you finance?

We finance:

• Single-family homes

• 2–4 unit residential properties

• Condominiums

• Multifamily properties

• Mixed-use buildings

• Select commercial real estate

Can loans be closed in an LLC?

Yes. We regularly lend to LLCs, corporations, and partnerships. Personal guarantees may be required depending on the loan structure.

How do I apply for a hard money loan with Amped-Up Inc?

You can apply by submitting a loan request through our website or speaking directly with a loan specialist. The process is fast, straightforward, and designed for investors. Start with a Soft Credit Inquiry.

Does Amped-Up Inc offer Heter Iska?

Yes. We have a Heter Iska in the closing packages as well as a general Heter Iska