What is it?
DirectLenderMatch classifies Private-Money Residential Mortgage under the financing form “Private mortgage.” Its typical use in this directory is: Private lender mortgage outside institutional channels.
How does it work?
The structure is generally evaluated, supported, or secured using the following basis: Residential real estate. Exact underwriting, eligibility, terms, and availability are provider-specific and can change.
What can it be used for?
Private lender mortgage outside institutional channels.
What backs or supports it?
Residential real estate.
Why does this structure exist?
This structure provides a defined way to address the financing need described above. The provider, transaction, collateral, and underwriting context determine how the structure is implemented in practice.
Important considerations
Confirm current costs, risks, licensing, eligibility, collateral treatment, recourse, tax consequences, and availability directly with the provider and appropriate professional advisers. DirectLenderMatch does not compare rates or recommend products.
Is this actually a loan?
Workbook classification: Yes. Financing forms such as leases, purchases, shared equity, advances, and guarantees may solve a funding need without being conventional loans.
Verified lenders or providers
Direct mortgage lender
Griffin Funding, Inc.
Griffin Funding's current loan list explicitly includes this Non-QM / investor product family.
Official evidence page →Last verified: 2026-08-23
Direct private lender
Lima One Capital
Lima One currently identifies itself as a private lender and documents FixNFlip, bridge, rental/DSCR, portfolio rental, short-term rental, new construction and Build2Rent programs.
Official evidence page →Last verified: 2026-08-23
Related financing structures
Hard-Money Residential Real-Estate Loan
Fast/private financing when conventional underwriting does not fit
Bank Portfolio Mortgage
Loan held on lender balance sheet outside agency execution
Debt-Fund CRE Mortgage / Bridge Loan
Institutional/private credit CRE financing
Fix-and-Flip Loan
Acquire/rehab/resell residential investment
Ground-Up Residential Investor Construction Loan
Build residential investment property
Non-QM Second Mortgage
Second lien for borrowers outside agency standards