Hard money loans are asset-based, focusing on the property’s value and your liquidity. Credit is a factor, but income verification isn’t required. Hard money loans are asset-based, focusing on the property’s value and your liquidity. Credit is a factor, but income verification isn’t required. Hard money loans are asset-based, focusing on the property’s value and your liquidity. Credit is a factor, but income verification isn’t required. Hard money loans are asset-based, focusing on the property’s value and your liquidity. Credit is a factor, but income verification isn’t required.