Hard Money Lender Directory

A curated list of reputable hard money and private lenders for fix & flip, bridge, and rental loans. Rates and terms are approximate and subject to change — always verify directly with the lender.

12 lenders

Kiavi (formerly LendingHome)

nationalFix & FlipBridgeRental

Nationwide (45+ states)

Tech-forward platform, fast online application. No minimum experience required for some programs.

Rate

9.25% - 13%

Points

1 - 2 pts

10 - 15 days

LTV Max

90% LTC / 75% ARV

Min Loan

$100,000

Max Loan

$3,000,000

Lima One Capital

nationalFix & FlipBridgeRentalNew Construction

Nationwide (46 states)

Full-service lender with dedicated loan officers. Offers new construction loans.

Rate

9.5% - 12%

Points

1.5 - 3 pts

14 - 21 days

LTV Max

90% LTC / 70% ARV

Min Loan

$75,000

Max Loan

$5,000,000

RCN Capital

nationalFix & FlipBridgeLong-Term Rental

Nationwide

Works with brokers and direct borrowers. Competitive rates for experienced investors.

Rate

9.99% - 12%

Points

1.5 - 3 pts

10 - 14 days

LTV Max

90% LTC / 75% ARV

Min Loan

$50,000

Max Loan

$2,500,000

CoreVest Finance

nationalFix & FlipBridgeRental Portfolio

Nationwide

Institutional-grade lender. Best for experienced investors with larger portfolios.

Rate

8.5% - 11%

Points

1 - 2 pts

14 - 21 days

LTV Max

85% LTC / 70% ARV

Min Loan

$150,000

Max Loan

$50,000,000

Groundfloor

nationalFix & FlipBridge

Nationwide (30+ states)

Crowdfunded model offers competitive rates. Good for newer investors.

Rate

7.5% - 14%

Points

2 - 4 pts

14 - 21 days

LTV Max

90% LTC / 70% ARV

Min Loan

$50,000

Max Loan

$1,000,000

Visio Lending

nationalRental (DSCR)Short-Term Rental

Nationwide

Specializes in DSCR rental loans. Great for buy-and-hold exit strategy.

Rate

7.5% - 10%

Points

0 - 2 pts

21 - 30 days

LTV Max

80% LTV

Min Loan

$75,000

Max Loan

$2,000,000

Fund That Flip (now Upright)

nationalFix & FlipBridgeNew Construction

Nationwide (40+ states)

Fast closings, tech-enabled platform. Offers draw schedules for rehab funds.

Rate

9% - 12%

Points

1.5 - 3 pts

7 - 14 days

LTV Max

90% LTC / 75% ARV

Min Loan

$100,000

Max Loan

$5,000,000

Anchor Loans

nationalFix & FlipBridgeRental

Nationwide

One of the largest private lenders. Very fast closings for experienced borrowers.

Rate

9.5% - 12%

Points

1.5 - 2.5 pts

7 - 10 days

LTV Max

90% LTC / 75% ARV

Min Loan

$50,000

Max Loan

$5,000,000

Easy Street Capital

nationalFix & FlipDSCR RentalBridge

Nationwide (40+ states)

Investor-friendly terms. No prepayment penalties on fix & flip loans.

Rate

9% - 12%

Points

1 - 2 pts

10 - 14 days

LTV Max

90% LTC / 75% ARV

Min Loan

$75,000

Max Loan

$3,000,000

New Silver

nationalFix & FlipRentalGround-Up

Nationwide (39 states)

Fully online process. Some of the fastest closings in the industry.

Rate

9.5% - 12.5%

Points

1 - 3 pts

5 - 10 days

LTV Max

90% LTC / 75% ARV

Min Loan

$100,000

Max Loan

$5,000,000

Lending One

nationalFix & FlipBridgeRentalPortfolio

Nationwide (47 states)

Competitive rates for repeat borrowers. Volume discounts available.

Rate

8.99% - 11.99%

Points

1 - 2 pts

10 - 14 days

LTV Max

90% LTC / 75% ARV

Min Loan

$75,000

Max Loan

$10,000,000

Residential Capital Partners

regionalFix & FlipBridge

TX, CO, GA, NC, FL, TN

Strong in Texas and Southeast markets. Relationship-based lending.

Rate

10% - 13%

Points

2 - 3 pts

7 - 14 days

LTV Max

85% LTC / 70% ARV

Min Loan

$50,000

Max Loan

$1,500,000

Disclaimer

This directory is provided for informational purposes only. Rates, terms, and availability are subject to change. We do not endorse any specific lender. Always perform your own due diligence and compare multiple lenders before committing to a loan. Consult with a financial advisor or attorney before making financing decisions.