Harper Family Invesments, Llc is a trusted financing partner for real estate investors and business owners. We provide a range of non-QM and traditional loan solutions, including DSCR loans, hard money, ground-up construction financing, and more, to help you seize opportunities and grow your portfolio or business.

We specialize in flexible options tailored to your goals:

• DSCR Loans: For long-term and short-term rental properties, based on rental income (minimum 1.25x DSCR), not personal income.
• Hard Money Loans: Fast closings (7-10 days) for fix-and-flips, up to 85% LTV.
• Ground-Up Construction Loans: Up to 90% LTC for single-family or multi-family builds.
• Land Loans: Financing for raw or entitled land purchases.
• Multi-Family & Commercial Loans: Flexible terms for larger investment properties.
• Business-Purpose Loans: Cash flow solutions for entrepreneurs.
• Traditional Mortgages: Competitive rates for standard home purchases.

Need something specific? Contact us to explore your options.

Our financing is ideal for:

• Real estate investors scaling rental portfolios or flipping properties.
• Developers building single-family homes, multi-family units, or commercial projects.
• Business owners seeking capital for growth or investment opportunities.
• Anyone needing creative, non-traditional loan solutions beyond standard bank offerings.

Speed depends on the loan type and project:

• Hard Money: As quick as 7-10 days for fix-and-flips or rehabs.
• DSCR & Construction Loans: Typically 15-30 days, based on underwriting and property details.
• Traditional Mortgages: Standard timelines, often 30-45 days.

For a precise timeline, call us at 602-931-8028 with your project specifics.

Requirements vary by product:

• DSCR Loans: Minimum 1.25x DSCR (rental income vs. loan payments), LTV up to 80%.
• Hard Money: Up to 85% LTV, focused on property value and exit strategy.
• Construction Loans: Up to 90% LTC, with draws tied to project milestones.
• General: Credit, experience, and property details influence terms—no strict W-2 or tax return mandates for most non-QM loans.

Let’s discuss your situation—reach out at andrew@financegroup.com or 602-931-8028.

We serve clients in California, Arizona, Texas, and Florida, with expertise in high-growth markets like California, Arizona, Texas, and Florida. Whether you’re in a bustling urban center or an emerging region within these states, we can tailor financing to your location. Contact us to confirm coverage for your property.

Getting started is easy:

1. Call us at 602-931-8028 to discuss your project.
2. Email andrew@financegroup.com with basic details (property type, loan amount, timeline).

Schedule a call here: [Calendly Link]. We’ll guide you through the process and request any needed documents.

We’re built for flexibility and speed:

• Non-QM Focus: Loans based on property cash flow or value, not just personal income.
• Investor-Friendly: Terms designed for rentals, flips, and construction—not rigid bank rules.
• Fast Closings: Days or weeks, not months, to keep your deals moving.
• Personalized Service: Direct access to experts like Andrew Kraft, not endless call centers.

Yes! Our non-QM loans prioritize property performance over personal credit scores. While credit history matters, it’s not the sole factor—rental income, equity, or deal potential often outweigh blemishes. Let’s talk specifics at 602-931-8028.

We love working with beginners! Our team can explain options like DSCR loans for your first rental or hard money for a flip, ensuring you understand every step. Start by emailing andrew@financegroup.com or calling 602-931-8028—no experience required.

Loan amounts depend on your project:

• DSCR: Up to 80% LTV, based on property value and rental income.
• Hard Money: Up to 85% LTV, tied to purchase and rehab costs.
• Construction: Up to 90% LTC, scaled to your build budget.
• Commercial/Multi-Family: Varies by property and cash flow—often $1M+.

Share your deal details, and we’ll crunch the numbers.

Rates and fees vary by loan type, market conditions, and your project:

• DSCR: Competitive with rental market trends, often 5-8% (example range).
• Hard Money: Higher rates (e.g., 9-12%) due to speed and risk, plus points.
• Construction: Mid-range, with draw fees tied to progress.

For an exact quote, contact Andrew Kraft at 602-931-8028 with your scenario.

We’re here to help:

• Phone: 602-931-8028
• Email: andrew@financegroup.com
• Website: [Website URL]
• Schedule a call here: [Calendly Link]

No question is too small! Reach out to Andrew Kraft at andrew@financegroup.com or 602-931-8028, and we’ll get you answers fast. Ready to elevate your financing? Let’s talk.