Your Trusted Partner in Hilton Head Real Estate Investor Loans!
Ready to Seize Opportunities? We're Here to Fund Your Success In Real Estate Investing!
What we do
We Provide Loans to Real Estate Investors
Hilton Head Hard Money Loans is a local Low-country division of Optimus Capital Corp, a Relationship Driven, Nationwide Hard Money Lender focused on providing the best loan programs available for Real Estate Investors across the US. It is run by the powerhouse team of Collin Cook and Andrew Shanti with a combined 20+ years in the lending and real estate industries.
Residential
Commerical
We Provide Loans for
Loan Programs
We finance Investment Purchase up to 85% Loan to Value and Cash-Out Refinances up to 80% Loan to Value based off the Debt Service Coverage Ration (DSCR) of the investment property.
We cover the full spectrum of the investment rental real estate market including:
- Long Term Rental Loans
- Short Term Rental Loans (AIR BNB/VRBO)
- Warrantable & Non Warrantable Condo Loans
- Condotel Loans
- Foreign National Loans
Furthermore, we qualify Short Term Rental properties based off projected short term rental income as opposed to long term market rents.
We off up to 90% loan to cost for experienced builders in major areas. This goes to 70-75% of the After Repair Value. We can offer up to 70% of the initial land cost, as long as the total loan does not exceed 85% loan to cost (80% for less active builders and smaller markets and up to 90% for pro builders). We even have programs available for 1st time home builders. Have an amazing piece of dirt on the island? Let's build!
Have a project that is mid rehab and need money to complete? We've got your back! Our Mid Rehab Loans provide you cash against the new As Is value of your property plus the money you need to complete the project!
CHECK OUR OUR FREQUENTLY ASK QUESTIONS PAGE
why we do it
Hard Money Lending
As a Relationship Driven Lender, we pride ourselves on our ability to close your loans without any smoke and mirrors. You want a partner on your side that understands the complexities of Investment Lending, someone who can take you by the hand with confidence all while looking over your shoulder and assisting you to make the best long term investment decisions for you and your loved ones. You aren’t just another number to us, we actually care about your success. As a Lender that works exclusively with Real Estate Investors, we’ve got your back!
Hilton Head Hard Money Loans, has versatile loans which cater to both short-term and long-term projects, ranging from 6 months to 30 years. Whether it's DSCR Rental Loans, Short Term Rental Loans, Bridge Loans, Construction Completion Financing Loans, or New Construction Loans, our commitment is to deliver immediate impact and lasting benefits, anchored in the cultivation of enduring professional connections for your sustained success.
We want to bring innovation to your Investments
Partnering with Hilton Head Hard Money Loans, isn't just about transactions; it's about cultivating a lasting alliance. Our unwavering commitment to 'speed to market,' thorough deal analysis, and the cultivation of enduring professional relationships positions us as your ideal financing source on all of your Real Estate Investment Properties both in Hilton Head and across the US. Elevate your Real Estate Investments with Hilton Head Hard Money Loans — where success isn't just a goal; it's a partnership we build, nurture, and celebrate together.
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testimonials
Your Success Is the Secret to Our Success!
William Ibrahim
Investor
Optiums Capital,is one of the best lending partners I have had the privilege of working with. They are extremely knowledgeable and quick to get results. We have had nothing but great experiences with Andrew Shanti and his whole team. They take amazing care of their clients for a great transaction experience! Excellent customer service from the top advisors.
Chad Simmons
Agent & Investor
Already have two more renovation loan files with them, and will continue to use them as my go to for future projects. They also have some other fantastic products for investors that I both plan to utilize myself and que my clients into. Thanks again Collin and the Hilton Head Hard Money Team!
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Contact Information
Email: Andrew@optimuscapitalcorp.com
Phone: (854) 683 - 5631
This is not an offer to lend. Financing is subject to certain restrictions and requirements, including submission of complete loan application, credit evaluation and underwriting approval. Rates, terms, and conditions are subject to change without notice and may vary depending on borrower qualifications, geography, and property type. Hilton Head Hard Money Loans is a local Low Country Division of the relationship driven lender Optimus Capital, focused on providing Business Purpose Loans to Real Estate Investors on Hilton Head Island, the Coastal Carolina’s and Savannah Georgia.