DO all Hardmoney lenders lend less than the ARV

[Geoffrey Jones]

I have a property that was apprised for 200000, I went to a hard money lender and it seems that they will only lend 181000 on the property. This tosses off my numbers significantly. Do all hard money do this? What can I do to work around this issue?

[Nick Wing]

Lenders will never lend the full ARV. If a lender is basing their loan amount on ARV, for the most part, it will never be above 75% of the ARV. Most lenders base their loan amounts on the current value and usually do not lend above 65% of the current value.