Is this a decent Hard Money Lender?

[Mapo Cramer]

65% ARV, 15% interest. 6 points minimum fee $3500

[J Scott]

In my experience, hard money ranges from 12% and 3 point to 15% and 5 point, though I've seen higher and lower, as your numbers indicate.

Make sure you factor in the cost and determine if you can still make a reasonable profit. For example, if you're borrowing $100K for 6 months, you'll be paying $6000 in points and $7500 in interest, plus probably another $1000 or so in loan costs/fees/appraisals. In other words, the loan would cost you about $14,500, which could be your entire profit on a deal at that price point!