Frequently asked questions
Straight answers before you submit the deal.
These answers explain the intended website and lending process. Final products, terms, and policies should be confirmed in Gustafson Capital’s formal loan documents and disclosures.
Borrower FAQs
The fundamentals of a property-backed loan.
What is a hard money loan?+
A hard money loan is typically a short-term, property-backed loan used for real estate investment transactions. The collateral and project economics receive significant attention, while borrower qualifications and the exit strategy still matter.
What types of properties may be considered?+
The site is structured around non-owner-occupied residential investment properties, select multifamily or commercial opportunities, land, and construction projects. Actual property eligibility depends on the current lending program.
Are these loans for owner-occupied homes?+
No. The website is designed for business-purpose financing on non-owner-occupied real estate. It is not presented as consumer or owner-occupied mortgage lending.
How quickly can a loan close?+
Closing timing varies based on the deal, document readiness, valuation, title, insurance, underwriting, and final loan documentation. Gustafson Capital does not promise a closing date before those requirements are satisfied.
What information starts the review?+
Begin with the property address, loan purpose, requested amount, purchase or current value, project budget, timeline, borrower experience, and expected exit strategy.
Does submitting a deal guarantee approval?+
No. A website inquiry is preliminary and does not create an approval, rate lock, term sheet, offer, or commitment to lend.
How are rates and fees determined?+
Pricing generally reflects the property, leverage, loan purpose, experience, timeline, market, and overall risk. Gustafson Capital will publish or quote terms only after its programs and disclosures are finalized.
Can brokers and agents submit deals?+
Yes. The partner path is designed for broker- and agent-sourced opportunities. Any compensation or referral arrangement must comply with licensing, disclosure, and other legal requirements.
What is an exit strategy?+
The exit is how the loan is expected to be repaid—commonly through a property sale, refinance, stabilization, or another documented source. A credible exit is an essential part of the review.
What should I avoid sending through the first form?+
Do not send Social Security numbers, passwords, bank credentials, complete account numbers, or other highly sensitive personal or financial information. The preliminary form asks only for business contact and property-level details.
Deal intake
Put your next deal in motion.
Share the opportunity and the capital you need. We’ll review the property, your plan, and the proposed exit.