Core Service Deep Dive
Unlocking Opportunity: Hard Money Lending & ADU Development
I. Hard Money Lending: Capital When You Need It Most
We specialize in providing asset-based loans for projects that require rapid funding or don’t fit the rigid criteria of conventional banks. Our focus is the value of the collateral and the strength of the exit strategy, not just the borrower’s credit score.
Loan Highlights:
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Speed to Close:
Approval in as little as 48 hours; funding in 7-14 days. -
Use Cases:
Fix & Flip, Bridge Loans, New Construction (ADU/SFH), and Property Repositioning. -
Flexible Terms:
Interest-only payments tailored to the project lifecycle. -
Direct Lender:
All decisions are made in-house, ensuring a streamlined and transparent process.
| Project Type | Typical LTV (Loan-to-Value) | Term (Months) | Example Strategy |
| Fix & Flip | Up to 75% ARV (After-Repair Value) | 6-12 | Acquire, renovate, sell for profit. |
| Construction | Up to 65% of Total Project Cost | 12-24 | Fund vertical construction with draw schedules. |
| Bridge | Up to 60% of Current Value | 3-6 | Short-term capital to stabilize or transition a property. |
Project Type Typical LTV (Loan-to-Value) Term (Months) Example Strategy
Fix & Flip Up to 75% ARV (After-Repair Value) 6-12 Acquire, renovate, sell for profit.
Construction Up to 65% of Total Project Cost 12-24 Fund vertical construction with draw schedules.
Bridge Up to 60% of Current Value 3-6 Short-term capital to stabilize or transition a property.
II. ADU Projects: The Future of Urban Density
Accessory Dwelling Units (ADUs) are one of the highest-return strategies in modern real estate. We manage the entire ADU lifecycle, turning underutilized backyard space into a valuable income-generating asset.
The Apex ADU Advantage:
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Feasibility & Design:
We assess your property for optimal ADU placement and design, maximizing square footage and rental income potential. -
Permitting & Compliance:
Navigating complex local zoning and permitting requirements is our specialty, reducing your risk and delays. -
End-to-End Construction:
Our construction division manages the build process, ensuring quality, adherence to budget, and timely completion. -
Investment Focus:
Whether you want to rent it out, house family, or increase your property’s sale price, we build the ADU that meets your investment goal.
ADU Return on Investment (ROI) Snapshot:
- A well-executed ADU can increase a property's overall value by 15-30% or more.
- Creates a new stream of rental income, often leading to a cash-on-cash return that significantly outperforms traditional long-term rentals.