Hard Money 2nd Mortgages Fast & Flexible Financing by RP Capital Lending
                     
Hard Money 2nd Mortgages: Fast & Flexible Financing by 
RP Capital Lending
1. What are Hard Money 2nd Mortgages?
A hard money 2nd mortgage is a property-secured loan that sits behind your primary (first) mortgage lien. In other 
words, the first mortgage gets paid first in the event of default, then the second lien.  Unlike traditional bank loans that 
lean heavily on your credit score, income history and the like, these loans focus more on the equity and value of the 
property being used as collateral.  They are typically short-term in nature (12 – 36 months), and they carry higher 
interest rates compared with first mortgages or conventional second mortgages. 
2. How Does RP Capital Lending Make It Easy?
At RP Capital Lending we streamline the process so you can access capital faster. Here’s a simplified walk-through of 
how we do it:
•Evaluate your property’s equity – we check the market value, deduct your first mortgage balance to see how much 
“room” you have.
Determine combined Loan-to-Value (CLTV) – we look at how much total debt will sit on the property (first plus 
second) relative to value.
•Rapid approval and funding – instead of weeks, you could get approved in 24-48 hours and funded in 7-14 days 
(depending on circumstances).
•Short-term flexible terms – loan terms of about 12-36 months give you time to execute your plan (refinance, sell, 
remodel, etc.).
•Tailored solutions – whether you’re a real-estate investor flipping or a business owner leveraging equity, we work 
with you.
3. Who Should Consider This?
Hard money 2nd mortgages are especially suited for:
•Real estate investors who need to act quickly on fix-and-flip deals, buy under-market properties, or bridge to a sale.
•Business owners or entrepreneurs who own property and need fast liquidity for growth, equipment, or an 
opportunity.
•Property owners who have substantial equity but may not qualify for traditional loans (self-employed, imperfect 
credit, non-standard income).
•Borrowers with an exit strategy — since these loans are short-term, you need a plan to repay: sale of property, 
refinancing, business cash-flow, etc.
4. Key Benefits
•Here are the top advantages you’ll see when working with us:
•Speed – With less bureaucracy than banks, you get approvals and funds much faster.
•Flexibility – We care more about the asset’s value than only the borrower’s credit history.
•Access to equity – You can tap into your property’s value without disturbing your first mortgage rate or terms.
•Adaptability – These funds can be used for a variety of goals: investment, business, renovation, consolidation.
5. Important Considerations & Risks
Yes, hard money 2nd mortgages offer strong benefits—but you’ll want to make sure you’re aware of the risks:
•Interest rates are higher than conventional mortgages (because the risk is higher).
•The term is short: 12-36 months is typical, so you need a clear plan for repayment.
•Because you’re in the second lien position, if you default the first lien lender gets paid first, then you’re behind in 
priority.
•Some first mortgage lenders may not allow a junior lien or second mortgage without their consent.
•Combined Loan-to-Value (CLTV) limits matter—while some lenders may go up to ~65-70% CLTV, going higher 
adds risk.
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Contact us:    [email protected]
  
Visit us  : https://rpcapitallending.com/