Loan types
Every private-lending product explained with indicative 2026 terms, requirements and FAQs. Click through for the full guide, or request terms for your deal.
| Program | Rates | Points | Leverage | Term | Best for |
|---|---|---|---|---|---|
| Fix and Flip Loans | 8.25% – 11.5% | 1 – 2.5 | 85% – 92.5% / 70% – 75% ARV | 6 – 18 months | Short-term, interest-only financing that covers the purchase and 100% of… |
| Bridge Loans for Real Estate | 8.0% – 11.0% | 1 – 2 | 65% – 80% | 6 – 24 months | Fast 6–24 month financing to acquire, reposition or cash out… |
| DSCR Rental Loans | 6.0% – 8.0% | 0 – 2 | 75% – 80% | 30-yr fixed / ARM | 30-year investor loans qualified on the property’s rent-to-payment ratio instead… |
| Ground-Up Construction Loans | 9.0% – 12.0% | 1.5 – 3 | 80% – 90% | 12 – 24 months | Financing for infill builders and spec developers: land plus vertical… |
| Commercial Hard Money Loans | 9.0% – 13.0% | 1.5 – 3 | 55% – 70% | 12 – 36 months | Asset-based loans on multifamily (5+ units), mixed-use, retail, office, industrial,… |
| Hard Money Loans With Bad Credit | 10.5% – 14.0% | 2 – 4 | 65% – 80% / 60% – 70% ARV | 6 – 12 months | What is realistic with a 550–640 score: which lenders look… |
| Land and Lot Loans From Private Lenders | 10.0% – 14.0% | 2 – 4 | 40% – 60% | 6 – 24 months | Short-term financing for entitled lots, infill land and acreage with… |
Fix and Flip Loans
Short-term, interest-only financing that covers the purchase and 100% of the renovation budget for 1–4 unit properties you plan to resell.
Bridge Loans for Real Estate
Fast 6–24 month financing to acquire, reposition or cash out a property while you arrange permanent financing or a sale.
DSCR Rental Loans
30-year investor loans qualified on the property’s rent-to-payment ratio instead of your personal income. The standard exit for BRRRR.
Ground-Up Construction Loans
Financing for infill builders and spec developers: land plus vertical costs with a draw schedule tied to construction milestones.
Commercial Hard Money Loans
Asset-based loans on multifamily (5+ units), mixed-use, retail, office, industrial, hospitality and land when speed or story matters more than rate.
Hard Money Loans With Bad Credit
What is realistic with a 550–640 score: which lenders look past credit, what they require instead, and how to improve your terms.
Land and Lot Loans From Private Lenders
Short-term financing for entitled lots, infill land and acreage with a clear development or resale plan.
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