Fast and Easy Private & Hard Money Loans for Investors.
Whether you want to fund a deal fast, lower your payment, or cash out of an existing agreement, I can help.
TAKES LESS THAN 60 SECONDS
Ryan Davies
Private Hard Money Strategist | Refinance Broker
Contact me and you'll see why I have over 45+ 
Google™ reviews!
Private Hard Money for Investors
Need fast capital for an investment deal? I help real estate investors access private hard money for time-sensitive transactions.
This is ideal for:
- Fix & Flip projects
- Bridge loans
- Short-term purchases
- Business-purpose cash-out refinances
- Small multifamily & commercial deals
All loans are business purpose only and non-owner occupied.
I focus on reviewing deals honestly, setting clear expectations, and connecting investors with private capital that fits the transaction.
What to Expect
✔ Faster decisions than traditional banks
✔ Asset-based review (real estate or business)
✔ Clear terms and defined exit strategy
✔ Short-term solutions designed to bridge to the next step
MY LENDING PROCESS
RefiRyan.com Makes the Lending Process Simple
📞 Call or Text: 801-205-1635
Getting funded doesn’t need to be complicated. Here’s how our private hard money process typically works:
STEP 1: SUBMIT YOUR DEAL
Start by submitting a short loan request or deal summary through our website. We’ll review the details and quickly let you know if the deal looks like a fit.
If it is, we’ll outline potential terms and next steps. If it’s not a fit, we’ll tell you upfront.
STEP 2: PROVIDE BASIC DOCUMENTS
If the deal moves forward, we’ll request additional information as needed, which may include:
Purchase contract (if applicable)
Property details and scope of work (for rehab projects)
Borrower or entity information
Any existing inspections or reports
Any third-party costs (valuation, inspections, etc.) will be disclosed in advance.
STEP 3: TITLE & PROPERTY REVIEW
Title is ordered through a licensed title company.
If required, a valuation or inspection will be scheduled directly with you.
All third-party costs are paid by the borrower and are non-refundable.
STEP 4: INSURANCE & CLOSING
Once title and property review are complete:
Required property insurance must be in place
Loans close through a title company
Funds are disbursed at settlement
All loans are business-purpose only and non-owner occupied.
STEP 5: REHAB DRAWS (IF APPLICABLE)
For rehab loans:
Funds are typically released in draws
Inspections may be required before each draw
Final draw is released once the project is complete
Draw inspection fees are the borrower’s responsibility.
STEP 6: EXIT – SELL OR REFINANCE
Within the loan term, the property is sold or refinanced and the loan is paid off in full.
A successful deal often makes future approvals faster and easier.
WHY WORK WITH ME
Fast, honest deal reviews
Investor-focused private capital
Clear communication from start to finish
No owner-occupied or consumer loans
📲 Have a deal to review?
Submit it online or call/text me at 801-205-1635 to get started.
Refinancing - Made Simple
Who This Works For
If your goal is to lower your monthly payment, pull cash out, or restructure your loan, refinancing may be the right move. I look at the full picture — not just rates — so the refinance actually helps you, not just the lender.
I work with a wide range of refinance solutions, including:
- Rate & Term Refinance
- Cash-Out Refinance
- Investment Property Refinance (DSCR)
- FHA / VA / Conventional Refinance
- Jumbo & Portfolio Loans
Common Reasons People Refinance
- Lower Monthly Payments
- Balloon Payment Due
- Debt Consolidation (Medical, Education, Credit Cards, High Interest Loans)
- Life Changes (Marriage, Divorce, Death, Growing Family)
- Cash-Out Equity
- Home Improvements
- Remove Private Mortgage Insurance
- Convert ARM(Adjustable Rate Mortgage) to Fixed-Rate
- Property Value Appreciation
- Investment Opportunities
- Job Relocation
- Emergency Fund
- Financial & Retirement Planning
- Increase Monthly Cash Flow
- Business Start-up or Expansion
- Business Operational Needs
Sell Your Payments or Cash Out a Deal
If you’re receiving monthly payments from a real estate deal or a business you sold — and you’d rather have cash now — you may have options.
Many people don’t realize that seller-financed deals, lease options, wraps, and business payment agreements can often be sold, restructured, or partially cashed out.
Life changes. Buyers fall behind. Or sometimes you just want your money sooner. That’s okay.
Who This Works For
Common Situations We Help With
- Seller-financed home payments
- Lease option / rent-to-own deals
- Wrap-around or subject-to agreements
- Business sale payments (seller-financed businesses)
- Land contracts / contract-for-deed
- Options or agreements you no longer want to manage
What We Do
- Review your agreement in plain English
- Explain realistic cash-out options
- Help you sell all or part of the payments
- Structure solutions that protect your interests
If you’re not sure what type of deal you have, no problem — we’ll help you figure it out.
ABOUT ME
Ryan Davies
Private Hard Money Strategist | Refinance Broker
RefiRyan NMLS#1895732
I’m Ryan Davies, founder of RefiRyan.com and a Finance & Deal Strategist with over 15 years of experience helping people make smart, strategic decisions around real estate and business.
I’ve worked as an investor, real estate broker, business broker, and mortgage broker — and I’ve personally built my financial freedom by using creative, practical strategies, not hype or shortcuts.
I’m known for my ability to simplify complex deals, especially seller financing and creative structures, and help people clearly understand their options so they can move forward with confidence.
When I’m not working, I enjoy spending time with my wife and our four boys, and playing music — I play drums, bass, and guitar.
My goal is simple: help people make better decisions, avoid costly mistakes, and choose solutions that truly fit their situation.
📲 Call or text anytime for a confidential conversation.
Why Work With My Team and I
I help homeowners, business owners, and real estate investors navigate important financial decisions involving refinancing, fast funding with private hard money, and payment cash-outs.
What sets us apart is our focus on strategy first — not selling products.
What You Can Expect
Clear, honest explanations (no jargon)
Creative but practical solutions
Experience across real estate and business deals
A focus on what actually helps you — not what pays the most
No pressure, no obligation conversations
I use my experience as an investor and broker to look at the full picture, identify realistic options, and help you choose the path that aligns with your goals and best interests.
If I can help, I will.
If I can’t, I’ll tell you — and point you in the right direction.
Call or text anytime. I’m always happy to help.
RefiRyan.com Copyright 2025 © All rights Reserved.
**Disclaimer/Disclosure*
RefiRyan.com is a Brand/marketing site for Ryan Davies. Ryan Davies is a Licensed Real Estate Associate Broker at Eleven11 Real Estate - 11136477-AB00 and a Licensed Mortgage Broker with Creative Housing Solutions/Ultimate Home Lending NMLS#1895732. Consulting and/or Real Estate Services are provided by Ryan Realty Utah, LLC, a Utah limited liability company and it is owned and operated by Ryan Davies. Loan Origination Services/Transactions are completed through Creative Housing Solutions/Ultimate Home Lending. By submitting your information through this site you agree to be opt into all phone, email, and marketing communication. Ryan Davies is not a licensed financial advisor so you should meet with one before applying any strategies that you learn.