Getting hard money as a 19 year old

[Teofilo Tavares]

Hello Everyone,

I’m 19 years old, I started to learn about real estate investing almost a year ago and I took action until a couple months ago when I started to look for houses to wholesale, I’m in NJ where market is very competitive and I have had no success so far, I am working towards my credit score and right now is sitting at 686, the real question here is, am I able to get a hard money lender to lend me money for a deal at my age?

[Mark F.]

I've never done HML, only FHA and VA,but I've talked to a number of HML so take my advice with a grain of salt. And someone please feel free to correct me. I'm also in NJ.

They've all mentioned they want to know the property and the deal first and foremost. After that it's experience level next as that makes the loan cheaper. Then my income, they like someone with a W2, and credit score. They never mentioned age but I'm not 19. Get on the phone with a HML or find one via a local zoom meeting and ask their opinion.