Find a hard money or private lender for your deal

Fix and flip is short-term money to buy a house and pay for the rehab, paid off when you sell. A bridge loan is short-term money to close fast, paid off with a sale or a longer loan. A rental or DSCR loan is a long-term loan where the lender looks mostly at the rent against the payment. New construction money pays for a build in draws as the work gets done. A BRRRR usually takes a rehab loan first, then a rental loan to refinance it.

Ask whether they lend in your county on your type of house. Ask how much of the price and rehab they cover and how much cash you bring. Get the rate, points and fees in writing. Ask how fast they can close and how rehab draws get paid out. Ask whether they want flip experience and whether you need to borrow through an LLC.

Hard money usually means a lending company that bases the loan mostly on the property. Private money usually means an individual or small group lending their own funds. Plenty of lenders use both words, so ask how they fund their loans.

A direct lender funds the loan itself. A broker shops your deal to lenders and can add a fee. The two wholesale lenders on this list work through brokers, and their rows say so.

No. The list is free and needs no sign-up. We don't lend or broker loans, and no lender paid to be listed.