Hard Money Lending Criteria – What to Expect

[Steven Curkendall]

For anyone considering hard money as a financing option, here’s a quick breakdown of typical lending criteria most private lenders use:

🔹 Loan Type:
– Fix & Flip
– Commercial

– New Construction
– Buy & Hold (Short-Term / Long-Term)

-Cash - out Refinance

🔹 Loan-To-Value (LTV):
– Up to 70–90% of purchase price
– Up to 100% of rehab costs (in some cases)
– ARV-based loans for fix & flips (up to 75% ARV)

🔹 Credit Requirements:
– Credit score usually not a deciding factor
– Some lenders have a soft minimum (e.g. 600), but deals are asset-driven

🔹 Collateral:
– 1st position lien on non-owner-occupied property
– Some lenders allow cross-collateralization

Every lender is different, but this should give you a solid baseline when exploring hard money options. If you’re evaluating deals and need flexible, fast capital, hard money can be a powerful tool — especially when time or condition rules out conventional lending.

Happy to answer questions or share more details if helpful!

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