🔨
Fix & Flip
Buy, renovate, sell. Funds purchase plus rehab draws.
- Leverage85–93% LTC
- Term6–24 mo
Independent private lending hub
Private money, made transparent.
Compare private and hard money loan options, run the numbers with free calculators, and get matched with private lenders for your next flip, bridge, rental or build. Or learn how to earn as the lender.
- Free to use. No hard credit pull to request matches.
- Typical published rates, points and leverage, side by side.
- Six deal calculators, including a private-note yield tool.
100% free for borrowers2-minute requestNo hard credit pullBusiness-purpose investor loansIndependent & ad-supported
Loan programs
Every private money strategy, explained and priced
Pick your strategy to see how lenders structure it, then request matches in one form.
🌉
Bridge
Close fast, stabilize, then refinance or sell.
- Leverage70–80% LTV
- Term12–36 mo
🏠
DSCR Rental
Qualify on rent, not on your tax returns.
- Leverage75–85% LTV
- Term30-yr
🏗️
New Construction
Land plus vertical cost, funded in draws.
- Leverage75–90% LTC
- Term12–24 mo
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BRRRR
Short-term loan in, DSCR loan out. Recycle your cash.
- Refi LTV70–80%
- Seasoning0–6 mo
💵
Cash-out Refi
Pull equity from a stabilized investment property.
- Leverage65–75% LTV
- Term30-yr / bridge
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Commercial Bridge
Multifamily 5+, mixed-use, retail, light industrial.
- Leverage65–75% LTV
- Term12–36 mo
📈
Invest as a Lender
Earn interest from loans secured by real estate.
- Target yields8–14%*
- Terms3–36 mo
Market snapshot
Typical private lending terms in 2026
Ranges drawn from published lender program pages and major comparison guides (2025–2026). Starting rates go to experienced borrowers with strong credit and low leverage.
| Product | Typical rate | Points | Max leverage | Term | Speed to close |
|---|---|---|---|---|---|
| Fix & flip / rehab | ~8.5% – 13% | 1 – 3 | 85–93% of cost, up to 100% of rehab, capped at 70–75% of ARV | 6–24 mo, interest-only | 5–15 days |
| Bridge | ~8.5% – 12.5% | 1 – 2.5 | 70–80% LTV | 12–36 mo | 7–21 days |
| Ground-up construction | ~9.75% – 12.5% | 1 – 3 | 75–90% LTC, ≤70% ARV | 12–24 mo, draws | 15–30 days |
| DSCR rental | ~5.75% – 8.5% | 0 – 2 | 75–85% LTV | 30-yr, prepay 3–5 yr | 15–30 days |
| Land / special situations | ~10% – 14%+ | 2 – 4 | 50–65% LTV | 6–24 mo | Varies |
Not a quote or offer. Actual terms depend on your experience, credit, liquidity, leverage, location and property. *Investor yields are targets, not guarantees, and capital is at risk.
How it works
From deal to term sheet in three steps
Tell us about the deal
Strategy, property, numbers and experience. About two minutes, and no documents or SSN.
See your instant estimate
Max loan, typical rate range, points and cash to close, calculated live.
Hear from matching lenders
We pass your request to lenders whose programs fit your deal. Compare and choose freely, with no obligation.
For investors with capital
Be the bank. Understand the risk first.
Private credit lets individuals earn interest from loans secured by real estate, through direct first-lien notes, fractional platforms or debt funds. We explain structures, risks and real net returns, and keep an investor list for vetted opportunities.
6Free calculators
8In-depth guides
60+Glossary terms
50States in our request form
Learn
Start with these guides
What is private money lending?
Who lends, how deals are secured and when it beats a bank.
Hard money vs. private money
Same family, different economics. Know which one you're talking to.
DSCR loans explained
Qualify on rent, run the ratio and avoid prepay traps.
How to become a private lender
Docs, liens, insurance and underwriting before you wire a dollar.
Hard money & asset-based lending explained
Watch & learn
The video library
Hand-picked YouTube lessons on hard money, DSCR, private lending and deal structuring, organized by topic.
Browse videosFAQ
Common questions
What is private money lending?
Financing from individuals or non-bank companies, usually secured by real estate. Lenders underwrite mainly the property and the deal (value, ARV, exit plan) rather than your W-2 income. That makes it faster and more flexible than a bank, but more expensive.
How much do hard money loans cost?
Published fix-and-flip programs in 2025–2026 typically start around 8.5–9% and commonly run 9–13% interest-only, plus 1–3 origination points, on 6–24 month terms. Use our loan cost calculator to see the all-in cost for your hold period.
Can I get a private money loan with bad credit or no experience?
Often, yes, at lower leverage and higher pricing. Many lenders set minimum scores around 600–680 and cut leverage for first-time investors. A strong deal (big spread between price and ARV) and cash reserves matter more than with banks.
Do I need an LLC?
Most investor lenders prefer or require a business entity (LLC or corporation), with a personal guarantee from the owners. These are business-purpose loans; owner-occupied homes are not eligible.
Is Private.Money a lender? Does it cost anything?
No and no. We are an independent publication and referral service. We don't make loans, set rates or charge borrowers. We may be compensated by lenders or advertisers, and that never changes the calculators or guides. See our disclosures.
How do I invest as a private lender?
Through direct notes secured by a first lien, fractional note platforms, or private-credit and mortgage funds. Each carries credit, liquidity and fraud risk. Start with our private lender guide and the due-diligence checklist.
Have a deal on the table?
Get your estimate in two minutes and let matching private lenders come to you. It's free and there's no obligation.