Time & Honey Real Estate Finance
Experience Working with Us
We Don’t Just Finance. We Unlock Legacies with Hard Money, Made Easy!
Rapid Funding
Fast proof of fund letters and 14-day closing options. Deep understanding of your business, rapid response times and digital tools save you money.
Honest & Transparent
Clear terms. Streamlined processes. Ethical lending. No BS (bologna sandwich). Know us. Trust us. Refer us.
Unique Solutions
Customized financing in all 50 states with competitive rates and flexible terms to ensure repeatable funding success.
Valuable Human Connections
We’re not just a lender; we’re your strategic business partner. We take time to understand what you need so that we can deliver solutions.
Flexible & Reliable
No tax, personal or debt-to-income documents. Access to our dedicated support team.
Wealth Building
Make purchases. Maximize returns. Grow portfolios. Build legacy. Repeat.
"There is a powerful driving force inside every human being that, once unleashed, can make any vision, dream, or desire a reality.” - Tony Robbins
BUILD YOUR FUTURE WITH:
Minimum Borrower Paperwork: Business Entity Paperwork (LLC, C-Corp, Partnership)
Credit Score 620 – 680, depending on loan type
Property Details: Address, Price, After Repair Value (AVR)
Transparent Fees: Downpayment, Appraisal, Interest, Taxes, Origination, Earnest, Inspection, Closing Costs
Financing up to 90% Purchase Price and 100% Renovation, 75%-90% LTV
Interest Only and Deferred Payment Options, No Prepayment Penalties, No Seasoning to Cash-Out
NO NEED TO HAVE:
Real Estate License
“The Perfect Market”
“Risk It All” Mentality
Full Appraisals, Hard Credit Pulls
Stash of Cash or Traditional Bank Loan Approval
Perfect Credit Score, DTI or Income Verification
Experience In Investing, Construction, or Real Estate
STRATEGIC SUPPORT CONSULTATIONS
Successful real estate investors utilize time-tested knowledge and support networks to make profitable decisions.
No matter where you are in your investing journey, the team at Time & Honey empowers you with essential resources and financing to achieve your investing goals.
Start-up Finance Options
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Credit Review & Positioning
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Business Credit Options
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Realtor Network
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Tax & Attorney Network
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Contractor Network
Start-up Finance Options • Credit Review & Positioning • Business Credit Options • Realtor Network • Tax & Attorney Network • Contractor Network
Meet Your Broker
I’m Rachel, a dynamic HR leader turned real estate investor and thriving entrepreneur; but more importantly, a hardworking wife, mom, and dreaming-doer. With over 20 years of experience in business, finance, and real estate, I co-own Time & Honey Real Estate Finance with my husband and best friend, Kevin. Our mission? To provide "sweet" financial solutions to dreamers and doers looking to invest in real estate. Whether a new investor with no experience or a real estate enthusiast with an impressive portfolio, we help investors secure the funding required to build wealth and legacy through strategic property purchases, refinancing, and sales.
Beyond real estate, I have a passion for creating meaningful experiences. My love for culinary arts led me to establish Thyme & Honey Events & Catering, where I curate intimate dining experiences, private events, and custom printed keepsakes. Whether through finance or food, my goal remains the same: to bless others and help them achieve their dreams.
We're not here to blend in with the Hard Money industry; we’re here to lead it! – Rachel Carter
Discover Financing to Empower and Unleash a World of Possibilities
BRIDGE LOAN
Investors or homeowners transitioning between properties
BRRRR LOANS
Transition from Fix &Flip to DSCR Refinance
CASH-OUT REFINANCE LOAN
Tap into equity of an existing property
COMMERCIAL LOAN
Purchase office/retail buildings and multifamily properties
DSCR & REFINANCE LOAN
Buy or refinance rental or buy and hold properties based on property income
Blanket Loans Available
EQUIPMENT LOAN
Acquire essential machinery, vehicles, or technology
Funding Services Offered
Who We Serve
We offer financing solutions in all 50 states
Real Estate Investors
Developers & Builders
Landlords & Short-Term Rentals
Agents & Brokers
Non-Traditional Borrowers
Let’s Make Your Real Estate Dreams a Reality!
At Time & Honey Real Estate Finance, we believe in creating wealth through smart, strategic, and timely real estate investments. Whether you're looking for funding or want to explore lending opportunities, we’re here to help.
Contact Us Today!
Email: approved@timehoneyfinance.com
Phone: (864) 381-8192
Address: 8595 Pelham Road - Suite 400 - Greenville, SC 29615