Hard Money Directory

Hard Money Lenders for Investors

Fix & flip, BRRRR, bridge loans, and DSCR rentals. Direct lender comparisons — no fluff.

Top Lenders 2026

Compare Hard Money Lenders

All lenders below fund investment properties. Not primary residences. Rates vary by state and deal.

Kiavi
Best for: Fix & flip + BRRRR nationwide
Loan Types
Flip, Bridge, DSCR
LTV
Up to 90% LTC
Close Time
7-14 days
Min Deal
$75K

Top-rated platform for experienced investors. Fast online approval, transparent pricing, no hidden fees. Nationwide coverage.

Get Rates at Kiavi →
Lima One Capital
Best for: BRRRR + rental portfolios
Loan Types
BRRRR, Rental, Fix&Flip
LTV
Up to 75% ARV
Close Time
10-21 days
Min Deal
$50K

Strong BRRRR product. They understand the refi piece of the strategy and underwrite accordingly. Good for repeat investors.

Apply at Lima One →
Groundfloor
Best for: Smaller deals + first-timers
Loan Types
Fix & flip, Bridge
LTV
Up to 80% ARV
Close Time
14-21 days
Min Deal
$30K

Crowdfunded RE lending model. Good for smaller markets and first-time investors who might not qualify elsewhere.

Learn More at Groundfloor →
RCN Capital
Best for: High-volume flippers
Loan Types
Flip, Rental, Bridge
LTV
Up to 90% LTC
Close Time
10-14 days
Min Deal
$100K

Excellent for brokers and repeat investors doing multiple deals. Competitive pricing at scale.

Get Rates at RCN →
Visio Lending
Best for: Long-term DSCR rentals
Loan Types
DSCR Rentals only
LTV
Up to 80%
Close Time
21-30 days
Min DSCR
1.10x

DSCR specialist. Uses the property's rent income — not your W-2 — for qualification. Great for building a rental portfolio.

Apply at Visio →
Backflip
Best for: Tech-forward investors
Loan Types
Flip + Bridge
LTV
Up to 90% LTC
Close Time
7-14 days
Unique
App + deal analysis

Mobile-first lender with built-in deal analyzer. Apply, track, and manage your loan from the app. Modern UX.

Try Backflip →

Hard Money FAQ

Hard money is short-term (6-24 months) for acquisitions, flips, or bridge situations — typically higher rates (8-12%) but faster and more flexible. DSCR (Debt Service Coverage Ratio) loans are long-term rentals (30 years) where the property's rent income qualifies you instead of your personal income. Many BRRRR investors use hard money to buy/rehab, then refi into a DSCR loan to hold long-term.
Expect 9-13% interest rates, 1-3 points origination, and 6-18 month terms. Some charge monthly interest only; others amortize. Always calculate total cost of capital, not just the rate. A 12% rate on a 6-month flip is much cheaper than it sounds on an annual basis.
Yes, but expect tighter terms and possibly higher rates. Groundfloor and Backflip are more beginner-friendly. Some lenders want 1-2 completed deals before they'll work with you. Having a strong deal (good ARV, experienced contractor, solid exit) matters more than your track record.
Most lenders go to 70-75% of ARV, or 90% of purchase + rehab (LTC). The safest position is to make sure your all-in cost (purchase + rehab + carry) is under 70% of ARV. Use the Flip Analyzer to check your numbers before applying.

Run the Numbers Before You Call a Lender

Know your DSCR, max purchase price, and loan-to-value before you pick up the phone. Free.

BRRRR Analyzer → Flip Analyzer → Property Analyzer →