Updated 2026-07-05
2026 Hard Money Loan Rates
Current rate ranges for fix-and-flip, bridge, and rental/DSCR loans — sourced from our network of 450 hard money lenders. Compare lenders side by side.
10.36%
National Avg Rate
8.9%
Lowest in Network
6 days
Avg Close Time
450
Lenders in Network
Rate Ranges by Loan Type
Industry-average rate benchmarks for the three most common hard money loan types in 2026.
Fix-and-Flip
Short-term financing to acquire and renovate distressed properties for resale. Lenders underwrite on after-repair value (ARV).
- Rate Range
- 9–13%
- Typical LTV
- 70–80%
- Loan Term
- 6–12 months
- Orig. Points
- 1–3 pts
Bridge Loan
Gap financing between a purchase and a long-term refinance or sale. Used in BRRRR strategies and 1031 exchange timelines.
- Rate Range
- 9–12%
- Typical LTV
- 65–80%
- Loan Term
- 6–24 months
- Orig. Points
- 1–2 pts
Rental / DSCR
Debt-Service Coverage Ratio (DSCR) loans for income-producing rentals. No income verification — underwritten on property cash flow.
- Rate Range
- 9–13%
- Typical LTV
- 65–80%
- Loan Term
- 12–36 months
- Orig. Points
- 1–2 pts
Lender Comparison Table
Top lenders in our network, sorted by featured placement and starting rate. Click a lender name to visit their site.
| Lender | Min Rate | Max Rate | Max LTV | Close Time | Loan Types |
|---|---|---|---|---|---|
| Lima One Capital Featured | 9.00% | 13.00% | 90% | 10-14 days | fix-and-flip, bridge, construction, rental |
| Kiavi Featured | 9.50% | 13.50% | 90% | 7-14 days | fix-and-flip, bridge |
| RCN Capital | 9.24% | 12.99% | 85% | 10-15 days | fix-and-flip, bridge, rental |
| CoreVest Finance | 8.99% | 12.50% | 80% | 14-21 days | bridge, rental, construction |
| Apex Capital Partners Featured | 9.50% | 12.00% | 90% | 5-7 days | fix-and-flip, bridge, cash-out-refi |
| Triangle Hard Money Featured | 10.20% | 13.50% | 85% | 3-5 days | fix-and-flip, construction |
| Carolina Private Lending | 10.00% | 13.00% | 80% | 7-10 days | fix-and-flip, bridge, cash-out-refi |
| Queen City Capital Group Featured | 9.50% | 12.50% | 85% | 5-10 days | fix-and-flip, bridge, construction |
| Southeast Bridge Lending Featured | 8.90% | 11.50% | 85% | 7-10 days | bridge, construction, cash-out-refi |
| Peachtree Private Capital Featured | 9.00% | 12.00% | 90% | 5-7 days | fix-and-flip, bridge, cash-out-refi |
| Georgia Hard Money Direct | 10.50% | 14.00% | 80% | 3-5 days | fix-and-flip, construction |
| Atlanta Investment Lending Featured | 9.50% | 12.50% | 85% | 7-10 days | fix-and-flip, bridge, rental, construction |
| Easy Street Capital Featured | 9.00% | 12.00% | 90% | 5-10 days | fix-and-flip, bridge, rental |
| Longhorn Investments Featured | 10.00% | 13.00% | 80% | 3-7 days | fix-and-flip, bridge |
| Gulf Coast Private Lending | 9.50% | 12.50% | 85% | 7-14 days | bridge, construction, cash-out-refi |
| Texas Capital Direct | 10.50% | 14.00% | 80% | 3-5 days | fix-and-flip, cash-out-refi |
| Brickell Capital Finance Featured | 9.00% | 12.00% | 85% | 7-10 days | fix-and-flip, bridge, construction, cash-out-refi |
| South Florida Hard Money Featured | 10.00% | 13.50% | 80% | 5-7 days | fix-and-flip, bridge |
| Sunshine State Capital | 9.50% | 12.50% | 90% | 10-14 days | bridge, construction, rental, cash-out-refi |
| Lonestar Capital Group Featured | 9.50% | 12.50% | 90% | 5-7 days | fix-and-flip, bridge, construction, cash-out-refi |
Rates shown are starting rates from lender profiles. Actual rates depend on deal specifics, borrower experience, and property location.
Frequently Asked Questions
What is the current interest rate for a fix-and-flip hard money loan?
Fix-and-flip hard money loan rates in 2026 typically range from 9% to 13%, with an average around 10.5%. Rates vary based on borrower experience, property location, loan-to-value ratio, and lender. Experienced investors with multiple completed flips can often negotiate rates at the lower end of the range.
How do bridge loan rates differ from fix-and-flip rates?
Bridge loan rates are generally similar to fix-and-flip rates — typically 9–12% — but may be slightly lower because bridge loans often involve less renovation risk. Bridge loans are used for gap financing between a purchase and refinance, while fix-and-flip loans underwrite on after-repair value and carry renovation draw schedules.
What are DSCR or rental hard money loan rates?
DSCR (Debt Service Coverage Ratio) loans for rental properties typically run 9–13%, with terms of 12–36 months. Unlike conventional rental loans, DSCR loans do not require income verification — the lender underwrites based on the property's rental income relative to the debt payment. This makes them popular for self-employed investors or those with complex income.
What is a typical loan-to-value (LTV) ratio for hard money loans?
Most hard money lenders offer 65–80% LTV on as-is value, or 70–75% of after-repair value (ARV) for fix-and-flip loans. Some lenders go to 85–90% for strong deals with experienced borrowers. Construction and ground-up loans typically cap at 65–75% of completed value.
How quickly can I close a hard money loan?
Hard money loans can close in as little as 3–7 days for experienced borrowers with complete documentation. Most lenders close within 7–14 days. Speed depends on the lender, deal complexity, and how quickly you provide required documents: property address, purchase contract, scope of work, and proof of funds.
What are origination points on a hard money loan?
Hard money lenders typically charge 1–3 origination points (1 point = 1% of the loan amount) as upfront fees. On a $200,000 loan, 2 points equals $4,000 due at closing. Points are separate from the interest rate and are generally tax-deductible for investment properties.
Do hard money rates vary by state or city?
Yes, significantly. California, Florida, Texas, and North Carolina markets have the most lender competition and lowest rates (often 8.5–11%). Smaller or rural markets may see rates of 12–15% due to lower deal volume and fewer lenders competing. See our Rates by State page for a full breakdown.
How often are these rates updated?
Our rate data is aggregated from our lender network and refreshed regularly. We supplement with published rate cards from major national hard money lenders. Last updated: 2026-07-05.
More Resources
Rates by State
Compare hard money loan rates across all 50 states. Sortable table, regional trends, and lender counts by market.
View state rates →Hard Money vs. Conventional
Side-by-side comparison of hard money loans vs. bank mortgages. When to use each and how to transition after renovation.
Read the guide →Browse Lenders by City
Find hard money lenders in your market. 116 US cities with verified rates, LTV, and contact info.
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