Rate
The interest rate reflects the risk, collateral, timeline, and structure of the loan.
Rates & terms
Hard money pricing depends on the deal, the property, and the exit.
Hard money rates and terms are not one-size-fits-all. The loan-to-value, property type, condition, timeline, loan size, and exit strategy all affect how a loan may be structured.
What affects pricing
The cleaner the collateral and exit, the clearer the terms.
Ron reviews each loan individually. A typical hard money loan is around 65% LTV, with higher LTVs considered case by case. A lower-risk deal with a clear exit may price differently than a distressed or unusual property.
Rather than publishing generic rates that may not apply to your property, the fastest path is to call with the address, value, requested loan amount, and timeline.
Points and fees
Points and closing costs can vary by loan type, loan amount, and file complexity.
Term length
Hard money is commonly short-term, often used until a sale, refinance, renovation, or construction exit is complete.