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Hard Money Lenders

Know Your Lenders
Before You Need Them

The deal dies if you can't close fast. These are the four lenders worth having a relationship with before your first offer goes out.

Kiavi Easy Street Capital MM Lending FlipCo Financial
// Quick Compare

Side-by-Side Breakdown

Rates and terms change — always verify direct. This gives you a starting point before you pick up the phone.

Lender Starting Rate Max LTV Rehab Covered Close Speed Best For
KiaviScale Lender ~7.75% 90% LTC Up to 100% rehab 5–7 days Fix & Flip
Easy Street CapitalBRRRR Specialist ~8.9%+ 85% LTV Yes + DSCR refi 7–10 days BRRRR
MM LendingFlexible Terms Deferred interest 80% ARV Yes 7–14 days New Investors
FlipCo FinancialNo Credit Check Varies 70% ARV Yes 5–10 days Credit Issues
// Deep Dive

The Full Picture

What the table doesn't tell you — terms, quirks, and when to reach for each one.

Kiavi
Most Scaled

Tech-forward hard money lender. Fast approvals, clean interface, and volume discounts make this the go-to for active flippers doing multiple deals a year.

Rate
~7.75%
LTC
Up to 90%
Close
5–7 days
  • Online portal makes the process smoother than most hard money lenders
  • Up to 100% of rehab costs covered if deal qualifies
  • Volume discounts kick in as you close more deals with them
  • Requires experience for best rates — first deal may cost more
  • Active in most major US markets
Best Used For
Fix & flip deals with clear exit. Best when you're doing repeat volume and want consistent capital with predictable terms.
Easy Street Capital
BRRRR Pick

Specifically built for the BRRRR investor. They offer the initial bridge loan and have an in-house DSCR refinance product — so you don't have to find a second lender to pull your capital back out.

Rate
~8.9%+
LTV
Up to 85%
Close
7–10 days
  • In-house DSCR refi product — one lender for the full BRRRR cycle
  • No personal income verification — qualifies on property cash flow
  • Will lend to LLCs, which protects your personal assets
  • Rehab funds held in escrow and released in draws
  • Slightly higher rate offset by cleaner BRRRR execution
Best Used For
BRRRR strategy from start to finish. Especially valuable when you want to minimize lender switching and need the refi to be seamless.
MM Lending
Flexible

Known for flexible structuring and deferred interest options. Good option when you need cash-flow-friendly terms during a rehab instead of paying full interest monthly from day one.

Interest
Deferred option
ARV
Up to 80%
Close
7–14 days
  • Deferred interest structure means no monthly payments during rehab
  • Interest accrues and is paid at payoff — better for tight cash flow
  • Works with newer investors more than some larger lenders
  • Relationship-based — terms can improve as you close more deals
  • Smaller operation, more flexibility on unusual deals
Best Used For
First or second deal where you want to preserve cash flow during rehab. Good for investors who don't want monthly hard money payments while rehabbing.
FlipCo Financial
No Credit Check

Asset-based lender that doesn't pull credit. If the deal is there — strong equity, clear exit — they'll fund it. The deal quality matters more than your score.

Credit Check
Not required
ARV
Up to 70%
Close
5–10 days
  • No credit pull — deal equity is the primary underwriting factor
  • Stricter LTV than others (70% ARV) because risk is held on the asset
  • Good access point for investors with recent credit events
  • Higher rates are the tradeoff for loosened credit requirements
  • Best on high-equity, clear-exit deals with strong ARV
Best Used For
Investors with credit challenges or recent bankruptcies. Also useful when you don't want another inquiry on your report before a conventional mortgage app.
// Next Step

Run the Numbers First

Knowing your lender doesn't matter if the deal doesn't work. Run it through the 4-in-1 Calculator before you make contact.

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