Last updated
Summary of published terms
- Loan types
- Fix & flipBridgeHard moneyGround-up construction
- Channel
- Direct to investors
- Min FICO (lowest stated)
- Not published
- Max purchase LTV
- 80%
- Max cash-out LTV
- 75%
- Min DSCR
- Not published
- Loan size
- From $50K
- Prepayment penalty
- No prepayment penalty on cash-out refinance
- Arizona / Tennessee
- Lends in Arizona
- Short-term rentals
- —
- Foreign nationals
- —
- Coverage
- Publishes its full state list: Arizona, California, Colorado, Texas
Homepage: "We Lend in AZ, TX, CA and CO". Published list of 4 states.
Source: hclends.com/, checked October 17, 2026
Summary fields show the lender’s rental/DSCR program where it has one, otherwise its bridge program. Loan size spans all programs listed.
Terms published on the lender’s website
Read from Hanson Capital Lending’s own website on the date shown. Advertised rates are “starting at” floors, not quotes. “States” lists the states that program names; a rate only counts toward a state page when its program names that state. Anything not shown here was not published.
| Term | Published value | States named | As of |
|---|---|---|---|
| Advertised rate | Starting at 9.99% (interest only) | AZ, CA, CO, TX | October 17, 2026 |
| Max loan-to-cost Fix & flip | Up to 85% | AZ, CA, CO, TX | October 17, 2026 |
| Max LTV | Up to 80% purchase / 75% cash-out | AZ, CA, CO, TX | October 17, 2026 |
| Land | Up to 60% of land purchase | AZ, CA, CO, TX | October 17, 2026 |
| Min loan | $50,000 | AZ, CA, CO, TX | October 17, 2026 |
| Points | Typically 0–2 | AZ, CA, CO, TX | October 17, 2026 |
| Term | 6–24 months | AZ, CA, CO, TX | October 17, 2026 |
| Credit | No credit check | AZ, CA, CO, TX | October 17, 2026 |
Program details
No program-level terms published on the pages we checked.