Investment Property Loans

Hard Money Loan Rates 2026

By on January 7, 2026   /   Hard Money Loan Rates 2026, hard money loans, Investment Property Loans  
Hard Money Loan Rates 2026

As real estate markets change in 2026, hard money loan rates will still be a significant factor for investors and borrowers who need quick, flexible financing. Hard money loan rates are affected by different things than regular mortgage rates. Knowing what these things are will help you make better borrowing selections for your next project.

What Are the Rates for Hard Money Loans?

Hard money loan rates are the interest rates that private lenders charge for short-term, asset-based loans. Because hard money loans are meant to be quick to finance, don’t need strict credit checks, and are mostly backed by the value of the property, these rates are usually higher than regular mortgage rates.

People typically employ hard money loans for fix-and-flip ventures, bridging loans, construction financing, and other unusual investment opportunities.

Hard Money Rates in 2026: What to Expect

Hard money loan rates usually vary from 10% to 14% per year in 2026, but the exact rates depend on a few important things. These interest rates are higher than those on regular bank loans, but hard money lenders can close deals in only a few days, which can be a big plus for real estate investors who need money urgently.

These numbers are just rough estimates and can change depending on the lender, the state of the market, and the borrower’s credentials.

Factors That Influence Hard Money Loan Rates

There are a number of things that affect the interest rate on a hard money loan:

The Loan-to-Value (LTV) Ratio: Lower LTV ratios usually mean better rates because the lender’s risk is lower. In 2026, a lot of hard money lenders want LTV levels between 65% and 75%.

Credit Profile: Hard money loans are more concerned with the value of the property, but having a good credit history can still help you get good rates.

Type and condition of the property: Properties that are in better shape or have a higher resale value usually get cheaper interest rates. Properties that are in bad shape or that are not typical may cost more.

Market Dynamics: Lenders change the prices of hard money loans based on the level of risk they are willing to take on. This is because local real estate activity, interest rate patterns, and the state of the economy all affect the prices of these loans.

Points and Fees You Should Know

Hard money loans usually come with origination points and fees in addition to interest rates. It’s normal to have to pay 2 to 4 points up front, which means you pay that percentage of the loan amount when you close.

Knowing these fees lets you compare the overall cost of borrowing, not just the interest rate, when you look at lenders.

The Hard Money Tradeoff: Rate vs. Speed

Hard money loans are mostly about speed and chance. It can take traditional lenders weeks or even months to accept a loan, but hard money lenders can typically do it in only a few days. The higher rate can be a strategic cost of doing business for investors looking for auctions, fix-and-flip deals, or bridge loans.

Do Hard Money Loans Make Sense in 2026?

If you need money quickly, hard money loans with low interest rates can open up real estate options that regular loans can’t. The most important thing is to understand how rates are set and what affects them so you can get terms that fit your plan.

Moving Forward

Are you ready to look into the interest rates on hard money loans for your next project? Brad Loans has quick, clear loan solutions that are made just for you. Call us today to compare rates, talk about your goals, and obtain a personalized hard money loan quotation in 2026.

Phoenix Hard Money Real Estate Loans

If you’re interested in getting involved with real estate investing and need the capital to purchase properties hard money is a great way to get started.  Brad Loans has extensive experience in both real estate investing and hard money lending and is proud to offer Phoenix Valley real estate investors the financing they need.  It is easy to get started applying for hard money loan and Brad Loans is able to work with clients with bad credit and no credit. We are your source for hard money when traditional banks say no.  Read more about Brad Loan’s hard money loan programs or get started fill out our hard money loan application or give us a call to ask questions at 602-999-9499.

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Uses For A Hard Money Loan in 2026

By on January 7, 2026   /   Flipping Houses In Arizona, hard money loan approval, hard money loans, Investment Property Loans, Uses For A Hard Money Loan in 2026  
Uses For A Hard Money Loan in 2026

Hard money loans are still very significant for real estate investing and short-term finance in 2026. Hard money loans are based on assets, are easier to get, and are more flexible than regular bank loans. They are often employed when the timing, condition of the property, or the borrower’s situation makes traditional financing impossible.

Knowing the most common reasons people get hard money loans can help borrowers figure out if this form of loan is good for them.

Projects to Fix and Flip Real Estate

Fix-and-flip real estate projects are one of the most common uses for hard money loans. Traditional lenders may not want to lend money for houses that are in bad shape, while hard money lenders are more interested in the property’s value following repairs. They can often close in days instead of weeks.

Bridge Financing for a Short Time

People sometimes employ hard money loans as bridge loans. This kind of loan enables people who are buying and selling homes or moving from one loan to another fill in short gaps. For instance, an investor might take out a hard money loan to buy a new property before selling an old one.

Bridge financing is still a good option for transactions that need to be done quickly in the fast-paced real estate market of 2026.

Buying Investment Properties

Hard money loans are typically used by investors who can’t get regular financing because of credit problems, trouble proving their income, or the type of property they want to buy. People often utilize these loans to buy rental properties, multi-family units, or unique properties that don’t fit inside the usual lending rules.

Hard money loans are flexible for both new and experienced investors because they are mostly dependent on the worth of the property and not the borrower’s financial history.

Construction and Renovation Projects

People that borrow money may require it to build something from the ground up, add on to something, or do a lot of remodeling. In many circumstances, money is released in phases as work is done, which helps keep projects on schedule.

Buying at Foreclosure and Auction

If you buy a property in a foreclosure auction or tax sale, you usually have to pay right away. Hard money loans give investors quick access to cash, which lets them buy these properties before their competitors do. In these cases, speed is quite important, and hard money lenders are generally able to meet tight deadlines.

Business and Cash Flow Needs

Some people who borrow money employ hard money loans to meet short-term business or cash flow demands related to real estate. This could include paying for unforeseen costs, making renovations, or keeping your finances stable until you can get longer-term funding.

Let’s Get Started

Brad Loans can help you find hard money loans in 2026. Call Brad Loans immediately to talk about your project, go over your financing alternatives, and get quick, dependable cash that fits your real estate ambitions.

Phoenix Hard Money Real Estate Loans

If you’re interested in getting involved with real estate investing and need the capital to purchase properties hard money is a great way to get started.  Brad Loans has extensive experience in both real estate investing and hard money lending and is proud to offer Phoenix Valley real estate investors the financing they need.  It is easy to get started applying for hard money loan and Brad Loans is able to work with clients with bad credit and no credit. We are your source for hard money when traditional banks say no.  Read more about Brad Loan’s hard money loan programs or get started fill out our hard money loan application or give us a call to ask questions at 602-999-9499.

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What Is a Zero-Down Hard Money Loan?

By on December 11, 2025   /   Investment Property Loans, Owner Occupant Loans, What Is a Zero-Down Hard Money Loan?  
What Is a Zero-Down Hard Money Loan?

For real estate investors who want to move quickly on a great deal, few tools are more powerful than a hard money loan. These loans are designed for speed, flexibility, and asset-based decision-making rather than the strict requirements of a traditional bank. But what about the much-talked-about zero-down hard money loan? Is it real, how does it work, and who actually qualifies? Here’s what you need to know.

Understanding Zero-Down Hard Money Loans

A zero-down hard money loan is a financing option where the borrower does not bring a down payment to the closing table. Instead, the lender covers 100 percent of the purchase price, and in some cases, may even finance the renovation costs as well. This structure is appealing because it allows investors to acquire property without tying up their own capital upfront.

However, “zero down” doesn’t mean “no cost.” It simply means no down payment is required. Borrowers will still be responsible for standard expenses such as loan origination fees, appraisals, insurance, and any interest payments due during the loan term.

How Lenders Make Zero-Down Loans Possible

Hard money lenders do not make approvals based on credit score alone. Their primary focus is the collateral—the value of the property today and the expected value after renovation (the ARV). A lender may offer a zero-down structure when:

  • The property is significantly under market value

  • The renovation plan is solid and realistic

  • The ARV provides strong protective equity

  • The investor has a proven track record

  • Additional collateral is offered

In other words, the deal must be strong enough that the lender views it as a low-risk investment even without a down payment from the borrower.

Why Zero-Down Does Not Mean Zero Out-of-Pocket

Even when the purchase price is fully funded, borrowers should still expect some upfront expenses. These may include:

  • Loan origination points

  • Closing costs

  • Hazard and builder’s risk insurance

  • Prepaid interest

  • Inspection or appraisal fees

Investors still need access to working capital to manage the project, cover contingencies, and maintain cash flow throughout the renovation period.

Who Qualifies for a Zero-Down Hard Money Loan?

Zero-down loans are not typically offered to first-time investors. They are most often approved for:

  • Experienced fix-and-flip investors

  • Borrowers with successful project history

  • Investors using cross-collateral from another property

  • Buyers securing extremely discounted deals

Every situation is evaluated case-by-case, and the property itself must present a strong profit margin.

Are Zero-Down Loans Right for You?

A zero-down hard money loan can be the right solution for an investor who has the experience, the strategy, and the deal quality to justify the structure. These loans allow you to move quickly, preserve capital, and scale your investing business — but they also come with strict underwriting, higher interest rates, and shorter terms than traditional financing.

If you have a strong investment opportunity and want to explore whether it qualifies for zero-down hard money financing, BradLoans.com can help you understand your options and structure the right loan for your project.

If you live in the Phoenix Valley and would like to get started with growing your real estate portfolio Brad Loans can help!  Our lending service makes it easy for investors to finance new properties as owner occupants.  We can work with bad credit, lend faster, and understand the real estate investment industry with decades of local knowledge in investing, fix and flip, and much more.  Read about our loan programs by clicking here.

Call Today To Start Your Owner Occupant Loan 602-999-9499

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