Updated 2026-08-28

2026 Hard Money Loan Rates

Current rate ranges for fix-and-flip, bridge, and rental/DSCR loans — sourced from our network of 467 hard money lenders. Compare lenders side by side.

10.35%

National Avg Rate

8.9%

Lowest in Network

6 days

Avg Close Time

467

Lenders in Network

Rate Ranges by Loan Type

Industry-average rate benchmarks for the three most common hard money loan types in 2026.

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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

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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

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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: 2026-08-28.

More Resources

Hard Money Borrower's Guide

Top-of-funnel walkthrough of how hard money works, who uses it, and when hard money beats conventional financing.

Read the guide →

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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