Hard MoneyFacts Get matched with lenders

How we research this

Where our figures come from, how the questions were chosen, and what we will not claim to know.

Updated

Pricing figures

Every rate, point count, leverage cap and term length on this site comes from one file with one date on it, and no page hard-codes its own. When the market moves we change the numbers and the date together and rebuild, so the "updated" date on a page is not decorative.

Current figures were compiled on August 2026 from publicly advertised pricing and industry write-ups across North Coast Financial, New Silver, Gelt Financial, Crestmont Capital, Gauntlet Funding, SDC Capital and Brad Loans.

What we will not claim to know

There is no public loan-level dataset for private lending. Conventional mortgages have HMDA; hard money has nothing equivalent. Any publisher quoting a precise national average hard money rate is aggregating advertisements and calling it data. We are not going to do that, which is why our figures are presented as ranges with a stated provenance.

Similarly, we have not published a fifty-state table of lender licensing requirements, because the answer turns on business versus consumer purpose, on whether a dwelling secures the loan, and on broker involvement. That research is underway and will be published with citations to the actual statutes. Until then the verification pages cover what is verifiable today.

The questions

Every question on the FAQ page and in the FAQ block at the foot of each article was harvested from live Google search results on August 23, 2026 - the People Also Ask box and the related searches - for these twelve queries:

  • hard money loans
  • hard money lenders near me
  • hard money loan rates
  • hard money loan calculator
  • hard money loan requirements
  • fix and flip loans
  • dscr loan vs hard money loan
  • hard money loans for beginners
  • hard money lender license requirements by state
  • hard money loan scams upfront fees
  • hard money loan points and fees explained
  • brrrr method hard money refinance

Nothing was invented to fill space, and questions with unflattering answers were kept rather than quietly dropped - those are most of the interesting ones.

The calculators

The true-cost calculator computes interest under the lender's stated accrual basis, applies any minimum-interest floor, adds points on the stated basis, adds flat fees, draw fees, exit fees and extension fees, and divides the total by the average balance the borrower genuinely has the use of - the purchase loan throughout plus the rehab holdback at an average of half, since rehab is drawn progressively. That figure is annualised over the actual hold period.

The denominator deliberately does not follow the lender's accrual basis. If a lender charges interest on money you do not have, that is a cost, not a larger loan.

All three calculators run entirely client-side. Nothing is transmitted, stored or logged.

Competitive review

The editorial position of this site came out of a review of who currently ranks for the main hard money queries, conducted on August 23, 2026. The finding was that the first page is split between large consumer finance brands publishing interchangeable definitional articles and lenders publishing content about their own product, with no independent publisher anywhere in the category. That gap is the reason for the site's focus on cost mechanics rather than on lender comparison.

Corrections

We correct errors and say that we have. Tell us if you find one.

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Get matched with hard money lenders

Six answers, about thirty seconds. We will come back with lenders who actually work on this deal type in this state — and a plain read on what their terms would really cost you.

  • Lenders who fund your product type, in your state
  • A plain read on what the terms actually cost, before you sign anything
  • No hard credit pull and no application

How we get paid: we are not a lender. We may be paid when we introduce you, so we have an interest in you borrowing — and we will still tell you if the numbers do not work. Full disclosure.

Tell us about the deal Six answers. About thirty seconds.

The full version

I understand that Hard Money Facts is not a lender, that this is not an application and not an offer of credit, and that submitting it does not affect my credit score. I agree that my details may be shared with one or more lending partners, and that they and Hard Money Facts may contact me by phone, text or email at the number and address I provided, including using automated dialling technology or pre-recorded messages, about financing. Consent is not a condition of any purchase. Message and data rates may apply. I can opt out at any time by replying STOP, using an unsubscribe link, or emailing hello@hardmoneyfacts.com. See the disclosure and the privacy policy.

Typical response is one business day. Your details go to us and to matched lending partners — never to a bulk lead exchange, and never resold on. Prefer no phone calls? Use the calculator instead — it is free, ungated, and nothing you type into it leaves your browser.