Hard Money
Appraisals
Commercial property valuation for hard-money lending assignments across Oregon. Gold Rush Appraisal provides independent valuations to support collateral decisions. State Certified. Request a quote.
Hard money appraisals address the property valuation considerations that arise in hard-money lending — short-term, asset-based loans where the real estate is the primary security. The appraisal supports the lender's collateral decision with an independent opinion of value.
What the service involves
The assignment is an appraisal of the commercial real estate serving as collateral, concluded as of a current effective date under a defined value definition and intended use. It is not a credit decision and does not evaluate the borrower, loan terms, or interest rate. The deliverable is a written appraisal report documenting the scope, the property, the market evidence, and the value conclusion.
When clients need this service
Hard-money lenders request these appraisals when underwriting a short-term, asset-based loan and need an independent view of the collateral's value. Borrowers may also obtain one to understand the collateral position before financing. For example, an investor seeking a bridge loan on an industrial property may need a current appraisal to satisfy the lender's collateral requirement.
What the analysis considers
The analysis considers the property's characteristics and condition, location and market conditions, the applicable value definition and intended use, and the assignment's effective date. The valuation approaches applied depend on the property type and available data; not every assignment uses all three approaches. The conclusion is an opinion of value, not a guarantee of a loan amount or loan approval.
Documents and information that may help
Not every item below is mandatory for every assignment. The records that matter depend on the property and the agreed scope; we will confirm what is needed during the initial discussion.
- Property address and description
- Current rent roll or lease information, if income-producing
- Purchase contract or loan amount being considered
- Intended use and intended users of the appraisal
- Any known property conditions or constraints
How the engagement works
We begin with a discussion of the loan scenario and the lender's intended use to confirm the scope and value definition. After agreeing on scope, we inspect the property when appropriate, research comparable market evidence, analyze the data, and deliver a written appraisal report. Scope, fees, and timing depend on the property and assignment requirements.
Hard Money Appraisals — Questions & Answers
Related commercial appraisal services
Request Your
Free Appraisal Quote
Tell us a little about your property and assignment. To help us scope the work, please include the property address, property type, assignment purpose, the relevant valuation date, and your requested completion date. We will review your details and reach out promptly.
503-926-6128- Accurate, unbiased opinions of value
- Confident decisions backed by real data
- Professionally defensible reports
- Direct access to your appraiser from start to finish
Request Your
Free Appraisal Quote
Contact Gold Rush Appraisal today for a free, no-obligation commercial real estate appraisal quote.