Best Hard Money Lenders 2026
RE Report's 2026 independent ratings of private and hard money lenders for real estate investors.
National Rankings
Scoring Factors
Hard money lenders are evaluated across five weighted factors on a 100-point scale.
1
LTV Ratio
Maximum loan-to-value offered and leverage flexibility.
2
Interest Rate
Competitiveness of rates relative to private lending market.
3
Approval Speed
Time from application to funded loan commitment.
4
Draw Process
Efficiency of construction draw requests and inspections.
5
Flexibility
Willingness to structure creative deals and accommodate investors.