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Hard Money & Bridge Financing Solutions
Mortgage Investing with HMLS
Earn up to 10% Annual Returns Backed by Real Estate.
At Hard Money Loan Solutions, we have developed a unique approach to broaden your investment portfolio secured by the greatest asset in the world: real estate. And with market conditions shifting, now could be the perfect time to consider diversifying your investments with alternative options. Partner with Hard Money Loan Solutions and grow your capital through mortgage investing — a secure, predictable way to generate passive income while helping real estate borrowers fund short-term projects across the U.S.
HMLS connects private investors with carefully underwritten, real estate-backed loans. With over a decade of lending experience and millions funded nationwide, our investors enjoy consistent returns, transparent reporting, and the peace of mind that comes with asset-secured investments.
Mortgage Investing with HMLS
When you partner with HMLS, you’re not just investing in numbers — you’re investing in tangible assets with real value behind them.
Our investors benefit from:
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- Strong, stable returns. Earn up to 10% annual yield on your invested capital.
- Investment secured by real estate. Every note is collateralized by property, minimizing default risk.
- Short-term liquidity. Loan durations typically range from 12 to 24 months, allowing flexible reinvestment.
- Hassle-free management. We handle loan origination, underwriting, and servicing — you receive predictable returns.
- Our default rate is less than 0.001%
- All our loans are first lien mortgages.
Your money works for you — backed by hard assets, not speculation.
We currently offer private mortgage loans with high interest rates of 12%. However, it’s important to note that our lending and underwriting criteria are stringent, so only 2 out of 10 applications are approved.
How Mortgage Investing Works
Mortgage investing allows you to earn income from real estate lending without the stress of property ownership.
Here’s how it works with HMLS:
- We originate the loan. HMLS funds short-term, asset-based loans for qualified real estate projects.
- You invest in the note. Your capital funds a portion or entirety of the loan, secured by the borrower’s property.
- Borrowers pay monthly interest. You receive steady payments, net of a 2% servicing fee managed by HMLS.
- HMLS manages everything. From due diligence and documentation to borrower relations — all handled in-house.
- You earn consistent returns. Monthly payments are ACH-deposited by the 10th of each month. Annual returns of up to 10%, backed by property collateral, typically paid monthly or quarterly.
Why Partner With HMLS
Hard Money Loan Solutions is a private lending firm headquartered in West Palm Beach, Florida, with active lending operations across all 50 states. Our focus is on transparency, security, and consistent investor returns.
When you invest with HMLS, you benefit from:
- Nationwide loan portfolio with strong Florida presence
- Strict borrower vetting and property underwriting
- In-house loan servicing and transparent communication
- Decade-long reputation as a trusted private lender
Steady income opportunities for accredited investors
We treat investor capital as our own — every loan we originate must meet the same standards we invest in personally.
Mortgage Investing FAQ
What is mortgage investing?
Mortgage investing allows individuals to earn interest income by funding loans secured by real estate. With HMLS, investors participate in short-term mortgage notes backed by tangible property assets.
Is mortgage investing safe?
All investments carry risk, but HMLS minimizes it through strict underwriting standards, conservative loan-to-value (LTV) ratios, and property-backed security. Investors also receive full documentation for each loan they fund.
How are returns paid?
Investors typically receive monthly or quarterly payments, net of HMLS’s 2% servicing fee, depending on the loan structure and borrower’s payment schedule.
What is the minimum investment amount?
Investment minimums vary per deal. Contact us for current opportunities and requirements.
How long is my money committed?
Most loans have terms between 12 and 24 months, giving you regular reinvestment opportunities and liquidity.
Can I choose which loans to fund?
Yes. HMLS provides detailed loan packages, allowing you to select which opportunities best fit your investment goals.
Start Earning Passive Income Today
Join our growing network of investors earning reliable, real estate-backed returns. With HMLS, you can enjoy predictable cash flow, full transparency, and the confidence that comes from partnering with a trusted Florida-based private lender.
Partner with us today!
HML QUICK APPLICATION
Use our quick-start application below to begin the process. Once received, we will contact you via phone to verify your interest and to gather a few more details:
