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Most hard money lenders keep loan-to-value ratios ( LTV ratios) relatively low. Their maximum LTV ratio might be 50% to 70%, so you’ll need assets to qualify for hard money. With ratios this low, lenders know they can sell your property quickly and have a reasonable shot at getting their money back.

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We also have the list of nationwide hard money lenders that will work with poor credit, including Allrise Financial Group, Do Hard Money, FBC Funding, LendingHome, Lima One Capital, and Patch of Lend. To find a local hard money lender, check out our list of online directories below.