Guides and analysis on hard money for real estate investors.
Most hard money files stall not because the deal is bad, but because the borrower cannot answer three questions fast. Here is the document pack that moves a file from first call to term sheet in 24 to 48 hours.
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Hard money underwriting runs asset first, borrower second. The property is the collateral, and if the numbers work, most lenders will figure out the borrower. But the borrower track is not zero.
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Hard money loan rates run from roughly 9.5% to 13% annualized for investment property in 2026, depending on your experience, LTV, and deal size. The annual rate looks alarming compared to a 7% bank loan. On a six-month flip, you pay a fraction of what that annualized number suggests. The more relevant question is what the loan costs per deal, not what it costs per year.
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