Indy Private Lending

Direct private lender and note buyer. I provide bridge loans on investment real estate with minimal underwriting and quick closing times and I buy performing or non-performing notes.

This is not hard money as I do not lend on ARV, I lend on as-is value. I also don’t charge all of the fees of a hard money loan.

Loan terms will vary based on property and borrower experience but typically are:

Maximum LTV of 70% based on as-is value.
Standard rate of 10% and 2 points.
No origination fees except pass through charges (such as drafting of mortgage and note).
No appraisals.
No strict DTI or DSCR limits.
Loan sizes from $50,000 to $1,000,000.
Terms of 6 months to 5 years.
First lien position only.
Investors only, no owner occupants.
Full recourse and personal guarantee required.
Indianapolis and surrounding areas only.

I will also fund deals for experienced flippers in exchange for a profit split.

I work with mortgage brokers, contact me to discuss.

Pricing Comparison

	Me	Hard Money
Fees	$0	$2,000 – $5,000
Points	2 Points	2 – 5 Points
Rate	10%	12 – 15%
Maximum LTV	50 – 70%	70 – 100%

Contact

You can contact me by email at [email protected], by phone at (317) 350-0173 or by filling out the form below.

For loan requests please include the property address and the amount and purpose of the loan.

Last updated Jan 14, 2026.