Question 1

What is a hard money loan?

Accepted Answer

A hard money loan is asset-based CRE financing where the property is the primary collateral. Lenders focus on property value, not borrower income. Hard money is used for fix-and-flip, ground-up construction, and distressed acquisitions.

Question 2

What are hard money rates?

Accepted Answer

Hard money rates run 10-14% for most deals. Points range from 2-4 at origination. Lower rates go to repeat borrowers with track records. Higher leverage and riskier assets push rates to the top of the range.

Question 3

How fast can hard money close?

Accepted Answer

Hard money can close in 3-10 days. Some lenders close same-week for borrowers with existing relationships. Speed is the primary value proposition - you pay higher rates for certainty and speed of execution.

Question 4

What LTV do hard money lenders offer?

Accepted Answer

Hard money LTV ranges from 60-75% of as-is value. Fix-and-flip loans often underwrite to 70-80% of ARV (after-repair value) with 90-100% of renovation costs. Land loans are typically 50-60% LTV.

Question 5

When should I avoid hard money?

Accepted Answer

Avoid hard money for stabilized assets that qualify for bank or agency financing. The rate premium isn't worth it if you have time. Hard money makes sense only when speed, flexibility, or credit issues eliminate cheaper options.

			Website	Phone
Alliance Funding Group	Hard Money	CA	alliancefg.com	-
American Heritage Lending	Hard Money	CA	ahlend.com	(800) 745-9280
Anchor Loans	Hard Money	CA	anchorloans.com	(888) 719-5299
Broadmark Realty Capital	Hard Money	WA	broadmark.com	(773) 434-8780
Capital Fund I	Hard Money	OK	capitalfund1.com	(866) 999-0398
Citadel Servicing Corporation	Hard Money	CA	citadelservicing.com	(888) 800-7661
Civic Financial Services	Hard Money	CA	civicfs.com	(855) 248-4237
Do Hard Money	Hard Money	UT	dohardmoney.com	(801) 692-7678
Easy Street Capital	Hard Money	TX	easystreetcap.com	(404) 705-0905
Fund That Flip	Hard Money	NY	fundthatflip.com	-
Gelt Financial	Hard Money	FL	gfreit.com	-
Genesis Capital	Hard Money	CA	genesiscapitalfinance.com	-
Ground Floor Finance	Hard Money	GA	groundfloor.us	-
Ignite Funding	Hard Money	NV	ignitefunding.com	(702) 739-9053
Investor Loan Source	Hard Money	TX	investorloansource.com	-
Iron Bridge Lending	Hard Money	OR	ironbridgelending.com	(999) 999-9999
Jet Lending	Hard Money	TX	jetlending.com	(281) 872-7800
LBC Capital Income Fund	Hard Money	CA	lbccapital.com	(818) 643-4923
Lending Bee	Hard Money	CA	lendingbee.com	-
Lending Home	Hard Money	PA	lendinghome.com	(844) 415-4663
LendingOne	Hard Money	FL	lendingone.com	(888) 987-1276
Lima One Capital	Hard Money	SC	limaone.com	(800) 390-4212
Longhorn Investments	Hard Money	TX	longhorninvestments.com	(877) 420-7346
Montegra Capital Resources	Hard Money	CO	montegra.com	(303) 377-4181
Noble Capital	Hard Money	TX	noblecapital.com	(512) 249-2800
North Coast Financial	Hard Money	CA	northcoastfinancialinc.com	(760) 722-2991
Pacific Private Money	Hard Money	CA	pacificprivatemoney.com	(415) 926-4444
Patch of Land	Hard Money	CA	patchofland.com	-
Peak Finance Company	Hard Money	CA	peakfinancecompany.com	-
Rehab Financial Group	Hard Money	PA	rehabfinancialgroup.com	(610) 890-8512
Roc Capital	Hard Money	NY	rfreit.com	-
Sachem Capital Corp	Hard Money	CT	sachemcapitalcorp.com	-
Security National Financial Corporation	Hard Money	UT	snfc.com	-
Socotra Capital	Hard Money	CA	socotracapital.com	(855) 889-7626
Source Capital	Hard Money	CA	sourcecapital.com	-
Stratton Equities	Hard Money	NJ	strattonequities.com	(773) 441-9233
Tidal Loans	Hard Money	TX	tidalloans.com	(832) 757-1262
Visio Lending	Hard Money	TX	visiolending.com	(888) 521-0353

Hard Money Lenders

Hard Money Lending FAQ