Editorial standards | Hard Money Facts

This site makes confident claims about what loans cost and tells people when to walk away from a deal. It is fair to ask what standards sit behind that. These are they.

Who publishes this

Resultex Media Group LLC, 112 Main St, Suite 205, East Rockaway, NY 11518. Contact: hello@hardmoneyfacts.com.

Editorial decisions are made in-house. No outside party — lender, broker, advertiser or otherwise — sees a page before it is published, reviews our figures, or has ever asked us to change one. If that changes we will say so here.

How we source figures

Every pricing figure traces to one file with one date on it. No page hard-codes a rate. When the market moves we change the numbers and the date together and rebuild, so a page's "reviewed" date is not decorative.
Named sources, inline. Market statistics are attributed where they appear, not gathered vaguely at the foot of the page. See the statistics page for what that looks like at scale.
Where credible sources disagree, we show both. Urban Institute and KBRA report different RTL securitization volumes; we publish the discrepancy rather than average it away or pick the number we prefer.
Our own analysis is labelled as ours. The days-on-market work is derived from Redfin's public data by us, and says so.
Questions come from real search results. The FAQ is harvested from Google's People Also Ask and related searches, not invented to fill space. The source queries are listed on the methodology page.

What we refuse to publish

A precise national average hard money rate. There is no public loan-level dataset for private lending. Anyone quoting one to two decimal places is aggregating advertisements.
"No licence required" for a state we have not checked. Absence of a finding is not a finding. Forty of the fifty-one jurisdictions on the licensing page are labelled not established here for exactly this reason.
A "best hard money lenders" list. The honest answer depends on your deal, and a paid answer is an advert wearing a ranking.
Named accusations. The red-flag checker scores behaviour rather than naming companies, because we have no investigative capacity and publishing an accusation we cannot stand up would be reckless.
Invented case studies. Our worked example and specimen documents are labelled as models on the page. We got this wrong once during the site's first build — a worked example was written in a narrative style that read like a real transaction, and it was rewritten as soon as we noticed.

Conflicts of interest

Nobody pays us. No advertising, no lead capture, no affiliate links, no referral fees, and no money from any lender in any form. The site is published at our own cost.

That is unusual in this category and it is the reason these pages can be blunt about a product we would otherwise be paid to recommend. If it ever changes, the disclosure page already sets out in advance what would be disclosed and which sections would stay walled off from it — written down before there was any money involved, so that changing our minds later is visible.

Corrections

We correct errors and say that we did.

Email hello@hardmoneyfacts.com with the page and, if you have one, a source.
Factual errors are fixed as soon as we can verify the correction.
Material corrections to a data page are recorded in its revision history — see the rate index, which is dated and versioned.
If we cannot verify a claimed error, we will say so rather than quietly leaving it.

Independence from AI-generated filler

Pages here are written to be checked. Figures carry sources, calculators show their working, and the methodology explains how each tool computes what it computes. Where we do not know something, the page says so instead of generating a confident paragraph around the gap.