Hard Money 2nd Mortgages
At Lantzman Lending, we specialize in business-purpose hard money second mortgages — fast, flexible junior lien loans secured by real estate. Whether you need capital to expand your investment portfolio, start or fund your business, or inject equity into a strategic acquisition, our second mortgage solutions are designed to help you act with speed and confidence.
Call 858.720.0229
We are private money experts with deep experience, we provide tailored financing solutions that meet the unique needs of sophisticated investors and business owners alike.
Rates Starting at 10%
No Appraisals
Business or Investment Purpose
Loan Terms from 6-36 months
Up to 70% LTV
Loan Amount $50k up to $5M
Fast, Flexible Second Mortgage Financing
Business-Purpose Use – Funds can be used for real estate investment or operational growth strategies tied to your property holdings.
Close Quickly – Hard money second mortgages typically fund far faster than conventional second lien products — often in 10 business days or less.
Collateral-Driven Approval – We underwrite primarily based on property value and equity rather than rigid income or credit score thresholds.
Equity Access Without Displacement – Unlock cash value tied up in existing real estate without selling or refinancing your first lien.
Strategic Leverage – Use second mortgage proceeds to pursue acquisitions, bridge financing gaps, restructure debt, or fund business growth
What Is a Hard Money Second Mortgage?
A hard money second mortgage (junior lien) is a private capital loan secured by real estate that sits behind your first mortgage. It gives you access to property equity quickly for business or investment purposes, with underwriting that prioritizes the deal’s fundamentals and collateral strength over traditional credit/income metrics.
Unlike bank-issued HELOCs or conventional second liens — which can take weeks and require stringent documentation — our private funding approach enables faster decisions and greater underwriting flexibility for qualifying business use cases.
NEED QUICK CAPITAL FOR YOUR BUSINESS OR INVESTMENT? NO PROBLEM! CLICK BELOW!
The terms were fair, transparent, and not sketchy — which is rare in this space.
We’ve been working with a lot of lenders lately as we grow our real estate portfolio, and it’s usually an exhausting experience. Overpromising, underdelivering, bait-and-switch tactics, poor communication — you name it. To the point where we joke that “all lenders are liars.”
Lantzman Lending was the complete opposite. Professional, honest, efficient, and truly aligned with our success. That combination is incredibly hard to find.
If you’re an investor looking for a lender who actually does what they say they’re going to do, and does it well — Lantzman Lending is one of the very few I would confidently recommend.
I contacted Landzman. After a few hours they gave me the thumbs up that I could put in the offer. Deal done. Thanks Landzman
Why Choose LANTZMAN LENDING?
Time is of the essence in real estate investments. Our streamlined process ensures:
- Same-day approvals once we receive the application and supporting documents: Quick decision-making to seize opportunities.
- Funding within 5–10 business days: Ensuring that you can make aggressive offers and close on time.
We offer flexible terms to suit diverse investment needs:
- Loan Amounts: Ranging from $100,000 to $5 million.
- Loan-to-Value (LTV): Up to 65% CLTV
- 1-3 year terms
- Interest Rates: Starting at 11% for Junior Liens
- No Pre Payment Penalties or Minimum Interest
- Interest Only Paymet
Our services spans the Western USA, Texas, & Idaho
- No waiting for 3rd Party investors to approve your loan
- Fast In house approvals with no appraisals.
- Quick Funding to meet you financing goals
Our experienced team is there to answer your questions quickly and with top notch customer service
- Over 20 years in business
- A team that answers the phones and give each call the attention it deserves
- Transparent processes and clear communication
The Hard Money 2nd Mortgage loan process
Step 1:
Contact us by phone or email
Provide details about the property, renovation plans, and your investment experience to get a quote the same day.
Step 2:
Loan Evaluation & Quote
Our team assesses the property's current value quickly with no appraisal, just send photos
Step 3:
Apply & get approved
Fill our easy application with limited information & provide a few documents that allows our team to quickly evaluate qualifications and get you a approved as fast as 24 hours.
Step 4:
We Get your loan close Quickly
Once your loan is approved, our team will reach out to escrow and get a settlement statement and prelim title report. We can have your loan documents out for signing as fast as we can gather those items.
FREQUENTLY ASKED QUESTIONS
We don’t have a minimum credit score. We take into account your overall scenario. Taking into account your scenario, experience, and credit to make a common sense decision. We understand the credit reporting systems sometimes don’t tell the whole story. Call or email us today so we can review your unique scenario.
Second lien loans can make sense when your current first mortgage has a low interest rate that you don’t want to replace. Instead of refinancing the entire property, investors can use a second mortgage to pull equity out while keeping the favorable first mortgage intact.
This is especially popular for:
- Fix and flip projects
- Bridge financing
- Rehab costs
- Acquiring another investment property
- Short-term cash flow needs for business
- Business Started or Growth costs
We can close as fast and escrow and title can get us a prelim title report and estimated settlement statement. We are a direct lender and we have funds available. We don’t look for individual investors for each loan as funds are needed. This means we are there for you when you find the right deal and we can close quickly to help you make aggressive offers.
We conduct an in house valuation that involves gathering a photos and a scope of work for renovations that can be completed quickly. Often times we can complete our valuation process in 24 hours or less once we have your application and supporting documents.
We lend second mortgages on:
- Single-family investment properties
- Fix and flip projects
- Multifamily properties
- Mixed-use real estate
- Rental portfolios
- Commercial
- Owner Occupied for business purpose
We offer asset-based underwriting, meaning the approval is based more on the property and equity more than personal income documentation.
That means:
- No tax returns in many cases
- No W-2s required
- LLC borrowers are acceptable
- Investors can qualify based on the asset
- Legitimate business or investment purpose required
Recently Funded
let us help you finance your business or next investment!
Our commitment is to support your real estate ventures with financing solutions that are fast, flexible, and tailored to your needs. With extensive experience in the California market, we are your trusted partner in achieving investment success.
