Everything you need to start investing in real estate. You will learn the difference between hard money and traditional loans — explained live, step by step, in one focused session. We cover Nork Capital Lending programs, then open the floor to Nork Group investors in what we call the Round Table. All in one place. Fill out your forms online or download everything as PDF, in English or Spanish.
On Friday, October 9, 2026 we go live on Zoom for 90 minutes. The first half is mine: what hard money actually is, how it differs from a bank loan, what we need to qualify you, and how the number really gets decided — including why an appraisal can change your entire deal.
The second half belongs to the Round Table. Investors and realtors who have already closed deals with us answer your questions directly. They do not work for me. If something did not go well, they will say so — and that is exactly the point.
Fill them out online or download the PDF — in English or Spanish. Bring the Traffic Light with you; we reference it live.
Fourteen honest questions about your experience with hard money, DSCR, refinancing and construction lending. You get a red, orange or green result and a printable sheet — filled in or blank.
Take the Traffic Light→Reserve your seat. You receive the Zoom link by email and a reminder the day before. Tell us if you are a veteran or new — it shapes the Round Table.
Save My Seat→No guaranteed returns. No countdown timers. No photos of cars or checks. I teach hard money first, then I hand the microphone to investors who have actually closed with us — and I do not defend myself when they criticize. If every answer is a compliment, nobody in the room should believe it.
Hard money is not expensive money. It is fast money. You are not renting dollars — you are buying speed and certainty. And it is not cash: it is financing, with underwriting, documents, an appraisal and conditions.
In almost every case this is not what it appears to be. What is usually behind it: 100% of the rehab only, with a large down payment on the purchase. Or an equity partner taking a share of your profit. Or points and a rate high enough to swallow the deal. Or a prequalification letter that was never a real approval — and you find out at day 18, when the deposit is already non-refundable. Ask the question nobody asks: what do I need at the closing table, in dollars, on the day? If they cannot answer that in one sentence, walk.
Business purpose and occupancy. Hard money real estate loans are for non-owner-occupied investment properties. An officer, member or guarantor cannot live in the property being financed.
Anybody who tells you credit does not matter at all is lying to you. It does not have to be perfect, but it moves three things: your rate, your points, and how much leverage you get. A 640 and a 740 on the same property are two different deals.
There is no such thing as “bad credit, we finance anyone.” What there is: a floor, and a trade. The lowest we will generally look at is around 580, and at that level the conversation starts near 50% leverage, strictly case by case, and only when the property and the exit are strong enough to carry it. That is where the conversation begins — not a promise of terms.
What actually moves the needle: an entity in good standing, traceable money, reserves for the payments while the house sits empty, insurance in place before funding, and an itemized scope of work. Fix those and a weaker score costs you far less than you expect.
On a cash offer or a wholesaler closing, every document has to be right before the closing date. If your paperwork is late, you lose the deposit — not the lender. That is why we call and ask for all of this up front, and why we explain the reason behind each item.
We built the Nork Portal so anyone requesting a loan can sign in, start the application, submit everything we ask for, and watch their status move. A loan coordinator calls you, helps you assemble the file, and explains why each item is needed. We walk it with you from A to Z, because a complete file is what makes a loan close.
Processing requires all requested items except third-party items such as title and insurance. It takes about 11 business days, depending on how quickly you share files, provide proof of property insurance, and how efficiently your title closing agent works.
Investors and realtors who have already closed deals with us take the questions. They do not work for me. I ask, they answer, and I do not defend myself when the answer is critical — that is the moment the room starts believing any of it.
★ marks the strongest questions. Download the full list and bring the ones you want answered.
Any property. We run the comps, the rehab and the ROI with you, and tell you the truth about it. Free. Take the Traffic Light first so I know where you stand before we talk.