Short-Term Private Real Estate Lending
NLS Investments is the primary private lending brand within The H Factor website. Lending focuses on real estate-backed loans, generally with terms of less than one year. Depending on the transaction, NLS may participate in direct private lending or facilitate introductions between borrowers and potential capital providers.
Each opportunity involves its own terms, collateral, and risks. The H Factor does not undertake underwriting or due diligence on behalf of investors; each investor is responsible for independently evaluating any prospective loan.
I need financing
Acquisition, renovation, bridge, refinance or construction. Tell us about the asset and the structure you are looking for.
I Need FinancingI have capital to deploy
Record your criteria once. Nothing on this website is an investment offer, and no loan commitment is made through any form.
I Have Capital to DeployPrivate Lending
NLS focuses on real estate-secured private loans, generally with terms of less than one year. Its approach emphasizes collateral, borrower repayment capacity, loan structure, and disciplined capital deployment. Specific loans and introductions are subject to transaction terms and independent evaluation.
Self-Directed IRA Education
Self-directed IRAs can hold certain alternative investments, including real estate and private loans, subject to custodial requirements and applicable rules. Traditional IRA investment earnings generally grow tax-deferred; Roth IRA earnings may grow tax-free when qualified-distribution requirements are met. Certain investments can trigger unrelated business taxable income (UBTI) and UBIT.
Built on Relationships
An established professional network of real estate investors, lenders, and industry specialists helps connect people with educational resources and relevant contacts. Neither NLS nor The H Factor performs independent underwriting or due diligence on behalf of third-party investors.
Financing request
Five short steps. We never ask for Social Security numbers, bank credentials or identity documents at this stage.
Step 1 of 5
Borrower Information
Borrower Information
Tell us who is seeking financing.
Lending disclosure
All real estate investments involve risk, including possible loss of principal. Investors must perform their own independent due diligence. Returns and repayment are not guaranteed.
Submitting an inquiry does not guarantee funding. Financing availability and terms depend on individual review and applicable requirements. The H Factor does not automatically approve loans, issue binding quotes, or make lending commitments, and does not disclose borrower information to third parties without documented authorization.
All lending, referral and capital introduction activity is subject to applicable legal, licensing, contractual and professional review.