--- title: Hard Money Lender Rates – Why Are They High? description: Hard Money Lender Rates – Why Are They High? http://www.dohardmoney.com/wp-content/uploads/2018/01/interest-rate-1024×768.jpg Hard money lender rates are high. You might have guessed by now that hard money lenders are vastly different from traditional lenders, … Hard Money Lender Rates – Why Are They High? 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Wholesale Properties - [Find Cash Buyers](https://www.theinvestorsedge.com/sell-properties/find-cash-buyers) - Investing Strategies - [Fixing & Flipping Houses](https://www.theinvestorsedge.com/fixing-and-flipping-houses) - [Wholesale Real Estate](https://www.theinvestorsedge.com/wholesale-real-estate) - [BRRR Method](https://www.theinvestorsedge.com/brrr-method) - [Blog](https://www.theinvestorsedge.com/blog) - [Podcast](https://www.theinvestorsedge.com/incomehacker) CALL US: [(801) 396-9772](tel:+18013969772) Search Suggestions ![interest-rate-1024x768](https://www.theinvestorsedge.com/hs-fs/hubfs/Blog%20Media/interest-rate-1024x768.jpg?width=300&name=interest-rate-1024x768.jpg) [Ryan G. Wright](https://www.theinvestorsedge.com/blog/author/ryan-g-wright)Jan 24, 2018 11:45:27 PM5 min read # Hard Money Lender Rates – Why Are They High? [Previous ](https://www.theinvestorsedge.com/blog/fixing-flipping-boasts-another-best-selling-novel) [Next ](https://www.theinvestorsedge.com/blog/key-ingredient-fix-flip-success) - [Tweet](https://twitter.com/share) Hard Money Lender Rates – Why Are They High? Hard money lender rates *are* high. You might have guessed by now that hard money lenders are vastly different from traditional lenders, such as banks. First off, banks won’t even think twice about denying your loan for a fix-and-flip. Traditional lenders refuse to lend on rehab properties due to the high risk involved in such an investment. Therefore, when you want your fix-and-flip deal financed, you would go to a hard money lender. However, one of the biggest surprises which comes to new flippers is the interest rate on a hard money loan. They expect it to be low, like a mortgage loan (4.2%) or auto loan (2.9%). But since a hard money loan differs from a traditional loan, you can see interest rates between 10 – 15%. Many of these new investors are left wondering why hard money loans demand such high interest rates. Therefore, they also wonder if they are worth the investment. **The Investor's Edge** is here to address all of your concerns regarding interest rates and origination points with hard money loans. We want you to be as informed as possible regarding all hard money loan details. Thus, you can make the best decision for your financial future.   ## ***Why Are Interest Rates on Hard Money Loans so High?*** Interest rates on hard money loans are comparatively high because of two factors: - **The loan periods are short-term** - **The investment is risky** ### **Short-Term Loans** The length of a hard money loan can range from three months to five years. Since the real estate market is known for its volatility, a property needs to be fixed up and flipped as soon as possible to gain a solid profit. Hard money loans are designed to be short-term with higher interest rates as incentive for the borrower to get in, get it fixed and get it sold quickly. No one wants to pay high interest rates long-term, so borrowers are more focused on finishing the deal, repaying the loan and pocketing the profit. In fact, smart investors aim to finish the rehab and sell the property ahead of the loan term to avoid hefty interest charges. This is why many hard money lenders institute a prepayment penalty. However, the best hard money lenders, like **The Investor's Edge**, do not charge prepayment penalties. Thus, the faster you go, the more money you make in the end. ### **Risky Investment** Interest rates on hard money loans are higher because these loans take on a higher risk than traditional lenders are willing to take on. In exchange for acceptance of this risk, hard money lenders require a higher rate of return. The higher the risk, the higher the rate. This is good news in the sense that the opposite can also hold true: the lower the risk, the lower the rate. Once a hard money lender evaluates your property and determines the LTV (loan-to-value ratio) and ARV (after-repair value), they can lower the interest rates for exceptional deals which hold fewer risks. Some hard money lenders also take into account the borrower’s credit score and previous fix-and-flip experience to lower the interest rate. ## ***What Is a Hard Money Loan Rate?*** When a hard money lender loans you an amount of money to cover the property purchase and rehab costs, your total bill isn’t restricted to just the loan amount. If a lender was to loan you $80,000 and you pay $80,000 back, it isn’t a loan; it’s a grant. Hard money lenders, like other financial institutions tack on an extra amount per month, known as interest. That’s how financial institutions make money and how private money investors see a return on their investment. An interest rate is a percentage of the total loan which is tacked on as a fee for letting you use their money. ## ***What Is The Investor's Edge’s Interest Rate?*** One of the best things about working with The Investor's Edge is you don’t need to worry about making monthly payments. We want you to concentrate on rehabbing and reselling the property, so we save the repayment for the end, including the interest. While you can expect to pay interest charges of 10 – 15% of the total loan with other hard money lenders, The Investor's Edge charges an interest rate of 1.25 – 1.5% per month for the loan term. We also don’t charge prepayment penalties, so if you pay off the loan early, you pay less interest. ## ***What Are Origination Points?*** The two main factors which determine the overall cost of the loan are the interest rate and origination points. Origination points are a fee borrowers pay to lenders to compensate them for the role the lenders play in evaluating, processing and approving the loan. Points are a form of prepaid interest with each point representing 1% of the loan. Most hard money lenders charge an average of 4-7 points. ## ***How Many Origination Points Does The Investor's Edge Charge?*** The Investor's Edge charges a flat fee of 5.5 – 6.5 points per loan. In percentage, 5.5% if your credit score is 680 or above and 6.5% if your credit score is below 680. ## ***…Is It All Worth It?*** The answer is a resounding YES. Though hard money loans have higher interest rates, you can make a tremendous profit in fix-and-flip investments. On average, our borrowers earn a profit of $30k per deal. Some have earned as high as $110k on their investment! **And the best part is, you have power to lower interest rates on your loan.** You can lower the interest rate the following ways: - Find a very profitable, low-risk deal - Have an excellent credit score - Pay off your loan early **Do Hard Money** is here to help you open the door to financial freedom through profitable fix-and-flip investment deals.  Learn how this all works by attending our [next webinar](https://www.theinvestorsedge.com/register). ## RELATED ARTICLES USEFUL LINKS: --- - [FAQs](https://www.theinvestorsedge.com/faq) - [Areas Served](https://www.theinvestorsedge.com/areas-served) - [Terms of Use](https://www.theinvestorsedge.com/terms-of-use) - [Privacy Policy](https://www.theinvestorsedge.com/terms-of-use/privacy-policy) - [AI Info](https://www.theinvestorsedge.com/ai-info-page) OTHER RESOURCES --- - [Referral Program](https://www.theinvestorsedge.com/referrals) - [Become A Hard Money Lender](https://www.theinvestorsedge.com/become-a-hard-money-lender) - [Careers](https://www.theinvestorsedge.com/careers) - [Member Login](https://app.theinvestorsedge.com/authentication/login) - [Contact Us](https://www.theinvestorsedge.com/contact) [![New-InvestorsEdgeLogo-ForDark-257x100](https://23711988.fs1.hubspotusercontent-na1.net/hub/23711988/hubfs/A%20-%20Logos/New%20Logo/New-InvestorsEdgeLogo-ForDark-257x100.png?width=150&name=New-InvestorsEdgeLogo-ForDark-257x100.png)](https://www.theinvestorsedge.com) Keep the conversation going. Connect with us on Social Media: Copyright © 2025 TheInvestorsEdge.com All Rights Reserved ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "abstract" : "Hard Money Lender Rates – Why Are They High? http://www.dohardmoney.com/wp-content/uploads/2018/01/interest-rate-1024×768.jpg Hard money lender rates are high. You might have guessed by now that hard money lenders are vastly different from traditional lenders, … Hard Money Lender Rates – Why Are They High? Read More »", "author" : { "@type" : "Person", "name" : "Ryan G. Wright" }, "dateModified" : "", "datePublished" : "", "headline" : "Hard Money Lender Rates – Why Are They High?", "image" : "https://23711988.fs1.hubspotusercontent-na1.net/hubfs/23711988/Blog%20Media/interest-rate-300x175.jpg", "inLanguage" : "en", "keywords" : "[]", "mainEntityOfPage" : { "@type" : "WebPage" }, "name" : "Hard Money Lender Rates – Why Are They High?", "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://23711988.fs1.hubspotusercontent-na1.net/hubfs/23711988/Logos/New%20Logo/New-TheInvestorsEdgeLogo-ForLight-257x100-1.png" }, "name" : "The Investor's Edge" }, "text" : "Hard Money Lender Rates – Why Are They High? Hard money lender rates are high. You might have guessed by now that hard money lenders are vastly different from traditional lenders, such as banks. First off, banks won’t even think twice about denying your loan for a fix-and-flip. Traditional lenders refuse to lend on rehab properties due to the high risk involved in such an investment. Therefore, when you want your fix-and-flip deal financed, you would go to a hard money lender. However, one of the biggest surprises which comes to new flippers is the interest rate on a hard money loan. They expect it to be low, like a mortgage loan (4.2%) or auto loan (2.9%). But since a hard money loan differs from a traditional loan, you can see interest rates between 10 – 15%. Many of these new investors are left wondering why hard money loans demand such high interest rates. Therefore, they also wonder if they are worth the investment. The Investor's Edge is here to address all of your concerns regarding interest rates and origination points with hard money loans. We want you to be as informed as possible regarding all hard money loan details. Thus, you can make the best decision for your financial future. Why Are Interest Rates on Hard Money Loans so High? Interest rates on hard money loans are comparatively high because of two factors: The loan periods are short-term The investment is risky Short-Term Loans The length of a hard money loan can range from three months to five years. Since the real estate market is known for its volatility, a property needs to be fixed up and flipped as soon as possible to gain a solid profit. Hard money loans are designed to be short-term with higher interest rates as incentive for the borrower to get in, get it fixed and get it sold quickly. No one wants to pay high interest rates long-term, so borrowers are more focused on finishing the deal, repaying the loan and pocketing the profit. In fact, smart investors aim to finish the rehab and sell the property ahead of the loan term to avoid hefty interest charges. This is why many hard money lenders institute a prepayment penalty. However, the best hard money lenders, like The Investor's Edge, do not charge prepayment penalties. Thus, the faster you go, the more money you make in the end. Risky Investment Interest rates on hard money loans are higher because these loans take on a higher risk than traditional lenders are willing to take on. In exchange for acceptance of this risk, hard money lenders require a higher rate of return. The higher the risk, the higher the rate. This is good news in the sense that the opposite can also hold true: the lower the risk, the lower the rate. Once a hard money lender evaluates your property and determines the LTV (loan-to-value ratio) and ARV (after-repair value), they can lower the interest rates for exceptional deals which hold fewer risks. Some hard money lenders also take into account the borrower’s credit score and previous fix-and-flip experience to lower the interest rate. What Is a Hard Money Loan Rate? When a hard money lender loans you an amount of money to cover the property purchase and rehab costs, your total bill isn’t restricted to just the loan amount. If a lender was to loan you $80,000 and you pay $80,000 back, it isn’t a loan; it’s a grant. Hard money lenders, like other financial institutions tack on an extra amount per month, known as interest. That’s how financial institutions make money and how private money investors see a return on their investment. An interest rate is a percentage of the total loan which is tacked on as a fee for letting you use their money. What Is The Investor's Edge’s Interest Rate? One of the best things about working with The Investor's Edge is you don’t need to worry about making monthly payments. We want you to concentrate on rehabbing and reselling the property, so we save the repayment for the end, including the interest. While you can expect to pay interest charges of 10 – 15% of the total loan with other hard money lenders, The Investor's Edge charges an interest rate of 1.25 – 1.5% per month for the loan term. We also don’t charge prepayment penalties, so if you pay off the loan early, you pay less interest. What Are Origination Points? The two main factors which determine the overall cost of the loan are the interest rate and origination points. Origination points are a fee borrowers pay to lenders to compensate them for the role the lenders play in evaluating, processing and approving the loan. Points are a form of prepaid interest with each point representing 1% of the loan. Most hard money lenders charge an average of 4-7 points. How Many Origination Points Does The Investor's Edge Charge? The Investor's Edge charges a flat fee of 5.5 – 6.5 points per loan. In percentage, 5.5% if your credit score is 680 or above and 6.5% if your credit score is below 680. …Is It All Worth It? The answer is a resounding YES. Though hard money loans have higher interest rates, you can make a tremendous profit in fix-and-flip investments. On average, our borrowers earn a profit of $30k per deal. Some have earned as high as $110k on their investment! And the best part is, you have power to lower interest rates on your loan. You can lower the interest rate the following ways: Find a very profitable, low-risk deal Have an excellent credit score Pay off your loan early Do Hard Money is here to help you open the door to financial freedom through profitable fix-and-flip investment deals. Learn how this all works by attending our next webinar.", "url" : "https://www.theinvestorsedge.com/blog/hard-money-lender-rates-why-are-they-high", "wordCount" : "1267" } ``` ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Ryan G. Wright", "url" : "https://www.theinvestorsedge.com/blog/author/ryan-g-wright" }, "dateModified" : "2023-04-28T21:08:54.838Z", "datePublished" : "2018-01-25T04:45:27.000Z", "headline" : "Hard Money Lender Rates – Why Are They High?", "image" : [ "https://www.theinvestorsedge.com/hubfs/Blog%20Media/interest-rate-300x175.jpg" ], "mainEntityOfPage" : { "@id" : "https://www.theinvestorsedge.com/blog/hard-money-lender-rates-why-are-they-high", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.theinvestorsedge.com/hubfs/Logos/New%20Logo/New-TheInvestorsEdgeLogo-ForLight-257x100-1.png" }, "name" : "The Investor's Edge" } } ``` ```json { "@context" : "https://schema.org", "@id" : "https://www.theinvestorsedge.com/#organization", "@type" : "Organization", "address" : { "@type" : "PostalAddress", "addressCountry" : "US", "addressLocality" : "West Jordan", "addressRegion" : "UT", "postalCode" : "84088", "streetAddress" : "8846 S Redwood Road C221" }, "alternateName" : [ "TheInvestorsEdge.com", "DoHardMoney.com", "Do Hard Money", "DHM Industries" ], "areaServed" : { "@type" : "Country", "name" : "United States" }, "contactPoint" : [ { "@type" : "ContactPoint", "areaServed" : "US", "availableLanguage" : "English", "contactType" : "customer service", "email" : "questions@theinvestorsedge.com", "telephone" : "+1-801-692-7678" } ], "description" : "The Investor's Edge is a real estate investing company that combines proprietary deal-finding software, education, and equity-based funding into one Find-Fund-Flip system. It funds up to 100% of qualifying deals and helps both first-time and experienced investors flip houses and land in 45 U.S. states. Formerly DoHardMoney.com; rebranded in 2023.", "founder" : { "@type" : "Person", "jobTitle" : "Founder & CEO", "name" : "Ryan G. Wright" }, "foundingDate" : "2006", "knowsAbout" : [ "Real estate investing", "Fix and flip", "Hard money loans", "Land flipping", "BRRR method", "Wholesaling houses", "Off-market real estate deals" ], "legalName" : "DHM Industries, Inc.", "logo" : "https://www.theinvestorsedge.com/hubfs/Logos/New%20Logo/TheInvestorsEdge-NewLogo-Social-300x175.jpg", "mainEntityOfPage" : "https://www.theinvestorsedge.com/ai-info-page/", "name" : "The Investor's Edge", "sameAs" : [ "https://www.linkedin.com/company/theinvestorsedge", "https://www.youtube.com/@theinvestorsedge", "https://www.instagram.com/theinvestorsedgerei/", "https://www.facebook.com/theinvestorsedgerei", "https://twitter.com/InvestorsEdge_", "https://www.bbb.org/us/ut/west-jordan/profile/real-estate-investing/theinvestorsedgecom-1166-22167211" ], "slogan" : "Find, Fund, and Flip Real Estate", "url" : "https://www.theinvestorsedge.com" } ``` ```json { "@context" : "https://schema.org", "@type" : "FAQPage", "mainEntity" : [ { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Yes. In 2023, DoHardMoney.com was rebranded to TheInvestorsEdge.com. The company had outgrown hard money lending alone, since it now offers educational courses, proprietary deal-finding software, and expert support in addition to funding." }, "name" : "Is DoHardMoney.com the same as TheInvestorsEdge.com?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "No. The education, software, funding, and systems are built to walk a member through their first flip with no prior experience." }, "name" : "Do I need experience in real estate investing to work with The Investor's Edge?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "The Investor's Edge recommends having around $10,000 or more for flexibility in closing deals. Deals with substantial equity can qualify for up to 100% funding, meaning qualifying deals can close with $0 in closing costs. The Find-Fund-Flip system also teaches additional ways to close with less than $8,000 of the member's own money." }, "name" : "How much money do I need to get started?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Traditional lenders evaluate the borrower's credit, income, and debt. The Investor's Edge evaluates the deal itself, lends against After Repair Value (ARV), funds faster, and works with rundown properties that conventional loans won't touch. Funding is equity-based and structured as a joint venture." }, "name" : "How is The Investor's Edge funding different from a bank loan?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "The Investor's Edge serves real estate investors in 45 of 50 U.S. states, with custom funding terms by region. Membership is not currently offered in California, Nevada, Utah, Alaska, or Hawaii due to legal constraints." }, "name" : "What areas does The Investor's Edge serve?" } ] } ```