What's your opinion on these Hard Money Terms

[Tonya Jones]

13% Interest Only rate

5% Lender Fee

20% down 

Lend 70% ARV

Repair escrow draw after each phase complete. (reimbursement)

If you know of a lender with better terms please let me know. 

[Kevin O'Brien]

It's a bit rough unless its a cheaper deal under $75k. You should aim for 12% interest and 2 points or $4,000 in fees. Whichever is higher will be about what you should be paying in origination costs. Hard money lenders used to want a minimum $3,000 profit per loan its probably higher now.