00 Funding | 0 Down. 0 Payments. 18 Months. | HCM Funding
An HCM Funding Program

Zero down. Zero payments. Up to 18 months.

Get into your next deal without writing a check. Skip payments for up to 18 months. On qualified deals, we cover the down and defer the monthly — so your cash and your time both stay yours.

What You Get

When the deal's right, the math is simple.

00 Funding isn't for every deal. But when yours qualifies, here's what the structure looks like.

0%
Down Payment
Keep your cash

No down payment at close. Your money stays liquid — ready for the rehab, the reserves, or the next deal that lands in your lap.

$0
Monthly Payments
Skip the monthly drag

Interest accrues, but payments wait. No monthly nut to cover while you're swinging hammers, leasing units, or waiting on the appraisal.

18mo
Deferred Term
Room to work the plan

Up to 18 months to flip, refi, stabilize, or sell. Long enough that timeline pressure doesn't push you into the wrong offer.

What We Look For

Not every deal fits. The right ones do.

We're picky about which deals make it in. Here's the shortlist of what we're looking for.

i

The numbers work

Conservative LTV against a real ARV. If the deal protects itself, we can get aggressive on the structure.

ii

You know how it ends

Refi, sale, or stabilization — pick the lane and have the numbers behind it. Vague exits don't make the cut.

iii

You've done this before

Prior deals, references, and a track record that says you finish what you start. Newer investors aren't ruled out — but the deal has to carry more weight.

iv

Right kind of property

Residential, small multifamily, and select commercial. We look at markets and asset types case by case — when in doubt, send it over.

Have a deal that fits? Let's see it.

If your numbers are tight, this is the structure that lets you move on it without tying up your cash. Send it over.

See If You Qualify