Best Hard Money Lenders Review (2022 Update): Everything You Wanted To Know!

By: Brittney

This Best Hard Money Lenders review has been thoroughly researched with information and testimonials that are available online to anyone in the public. Any conclusions drawn by myself are opinions.

The Good Stuff

Personal finance for private lenders
Leading lender to residential real estate investors
Private investors

The Bad Stuff

Traditional loan programs
Hard money lenders tend to rely solely on the value
Traditional financing isn't for everyone.

Firstly, Why Am I Writing This Review?

Nice to meet you, my name is Brittney!

My story starts  like many do… “slaving away” at a 9-5 job that I didn’t really enjoy, but hey – it paid the bills.

I worked for a large Fortune 500 company that performed background checks for other companies when they wanted to hire a new employee… so you know, not exactly exciting stuff.

For a lot of people, a nice stable job and predictable check coming in every month is the picture of success, but for me, it felt like I was missing out on life.

Clocking in every single day, doing the same tasks over and over again, getting home with barely enough time to make dinner and enjoy some time to myself… only to wake up again the next morning and do it all over again.

I just wanted to enjoy life without being shackled to an unfilling job. 

I wanted to be able to take vacations whenever I wanted, for however long I wanted.

I didn’t want to have to beg my boss for a salary increase that barely matched inflation.

I just wanted to be free and happy.

Then about 4 years ago (as a stroke of luck), I stumbled across a program that taught me how to make money online by actually helping real people (local US businesses).

my concrete site

The image above shows an example. This mini website brings me in around $1,250 every single month, and I haven’t touched it in over 2 years.

That’s $15,000 per year in my pocket without having to really do anything.

Just helping small mom-and-pop shops keep their lights on and grow.

So it makes sense why local lead generation is my top online business for passive income. If you’re curious how that business model works, you can read more here.

NOTE: I DO NOT WORK WITH​ Best Hard Money Lenders

Who Cares About That?

99% of reviewers out there don’t have experience running an actual business. They’re writing about stuff that they have no real experience with.

Why would they do that?

They just want you to click through and buy the  program that the review is about!

I have absolutely no relationship with Best Hard Money Lenders, so you can rest easy knowing that I’m going to give you my honest opinion.

This review is written based on my own experiences with this business model.

All that being said, let’s jump into things.

Best Hard Money Lenders Review

Like any other real estate investors, they frequently use hard money loans or “bridge loans.”

And because private individuals or businesses, rather than banks, are the most common hard money lenders.

The property is used as collateral in this type of asset-based loan. This type of funding is generally faster and easier for borrowers than other financing options. Still, it can be more expensive in terms of interest and fees.

Though who can be the Best Hard Money Lenders, see in this review.

But before that…

Best Hard Money Lenders is a real estate investing program.

Like most real estate investing training courses, you’ll likely be exposed to the “Big 3” investing types:

  • Flipping
  • Wholesaling
  • Long-term buy-and-hold

Regardless of which path you go down, there is a lot of potential with real estate investing.

After all, it’s the world’s oldest wealth-builder.

However, before you leave this Best Hard Money Lenders review and go sign up, you might want to ask yourself:

“Is now the right time for me to get into real estate investing?”

Because, no matter which way you slice it, real estate investing is extremely capital intensive, labor intensive, or both.

So if you’ve only got an hour or two a day, or your savings account is a few zeroes lighter than you’re comfortable with, this might not be the best time for you to jump into real estate investing.

But that doesn’t mean you’re out of luck. It just means you need a system to free up more time and give yourself a stronger financial cushion.

A good way to get yourself there is with Digital Real Estate.

Digital Real Estate takes all the best parts of real estate investing, while eliminating most of the headaches:

  • Low cashflow
  • Interest payments
  • Mortgages
  • High overhead
  • Expensive repairs and maintenance
  • Problematic tenants

And the best part?

Digital Real Estate allows you to build a passive income stream that’s actually passive!

An income stream that brings in consistent revenues every single month (from a couple thousand dollars to well over $10,000).

An income stream you could actually build in your spare time, and grow as large or as small as you want to, without having to spend hours a day analyzing deals, cold-calling homeowners, or dealing with contractors.


If that sounds like something you’d be interested in, check out Digital Real Estate.

This is the perfect first step to build recurring income that you can then use to start investing in real estate down the line.

However, if you’d still like to know more about Best Hard Money Lenders, keep reading.

What Is The Best Hard Money Lender?

What Is The Best Hard Money Lender

When selecting whether loan partner is a suitable match for you, there are numerous crucial factors to consider.



Inquiring about any lender is one of the finest methods to get firsthand information. A quick web search will bring up reviews, credit history and rankings. Join a local branch of the National Real Estate Investor Association to discuss your experiences with private money lenders. Other real estate investor forum sites, such as BiggerPockets, provide a virtual environment for networking and sharing ideas with other investors. Because they deal with hard money lenders on a regular basis, real estate agents, title companies, and mortgage lenders in your region may be able to suggest you to one.

Speed And Simplicity

Speed And Simplicity

The key benefit of this sort of real estate financing is its speed. Borrowers are not required to go through the time-consuming application and underwriting procedures connected with typical mortgage loans. Short-term loans with instant cash and a straightforward application procedure are suitable for real estate investors like home flippers.

Because they only plan to keep the investment property for a short time, these borrowers cannot afford to wait for a conventional loan to be approved. Hard money financing allows for a faster turnaround because there is less red tape and less scrutiny of the borrower’s finances, such as their debt-to-income ratio and FICO score. Because the property serves as collateral on loan, the creditor bears less risk. These loans can be secured in a matter of days.



Hard money loans may be a more costly mortgage alternative due to the additional risk. There might be a lot of variety in the ultimate cost of the loan. It is crucial to evaluate interest rates and ensure that you understand the structure of your loan as well as any fees that may apply.

The interest rates on hard money loans typically range from 8% to 15%. Traditional loans interest rates, such as a mortgage, range between 3 and 6 percent. Because hard money lending is considered riskier, lenders charge a higher interest rate to hedge their bets. Rates will differ depending on the creditor and the buyer’s individual circumstances. Interest rates vary regionally as well, depending on the local competition.

Many hard money loans have origination points in addition to interest rates. Origination points are a type of fee that borrowers must pay to cover the costs of loan processing, closing costs, and other expenses incurred by the lender. One point is typically equal to one percent of the loan amount. On a hard money loan, some lenders may charge up to ten points. It’s critical to understand whether your lender charges an origination fee so you can determine if the cost fits within your budget and plan accordingly.

The loan-to-value ratio determines the majority of the costs associated with a hard money loan (LTV). You can figure this out by taking the loan amount and dividing it by the house’s value. In general, a higher ratio indicates a greater risk to lenders. As the lender’s risk rises, so do the fees and interest rate that accompany it.

The loan-to-value ratio is calculated by some traditional lenders using the property’s current appraisal as a base. In contrast, others use the after-repair value (ARV). The use of the ARV raises the loan-to-value ratio, indicating a riskier loan with higher costs. Inquire whether your lender uses the current property value or the ARV.

Before signing a hard money loan contract, keep an eye out for predatory practices, excessive costs, and lender fees. If you’re worried you’ll be in over your head financially and unable to repay the loan, don’t agree to work with the lender.

Renovation Costs

Renovation Costs

Rehabbing an investment property, whether a single-family home or a multifamily structure, is virtually always part of a real estate investor’s project.

Depending on your particular circumstances, the amount of your loan may have to pay both the purchase price of the property and the expenses of refurbishment or new construction. While raising the loan size increases the risk and may cost you more in fees and interest, it may still be essential to successfully finish your project.

Many hard loan lenders distribute funds in a series of draws to ensure that the portion of your loan designated for rehabilitation is used responsibly. Good lenders will sit down with you after your hard money loan is approved to create a draw schedule that considers the repairs you need to make to the property. When the work for one draw is finished, you will be reimbursed and can start working on the next draw.

How Does Hard Money Loan Work?

How Does Hard Money Loan Work

Hard money loans are a kind of loan in which the collateral is a bought property. The financing application and approval procedure may be long and time-consuming since conventional lenders are concerned with your credit score, financial history, and general capacity to repay them.

This does not apply to a hard money loan, though. Borrowers may get funds fast since hard money lenders are less concerned with your personal finances and credit ratings and more interested with the worth of the property. If a borrower fails on the loan, the lender will seize and sell the collateral.

Hard money loans are quick to get approved for and funded. It’s possible to get a loan for a short period of time or for a long time. The high interest rates associated with hard money loans, on the other hand, make holding one for that long a wrong financial decision.

Cash is scarce. Hard money Borrowers make monthly payments that include interest and any fees. Loan partners may occasionally reimburse borrowers for specific property rehabilitation projects if that is part of the agreement.

Upon sale of the property, the borrower is responsible for repaying the lender for the remaining balance, covering the closing costs, and keeping any profits.

Hard Money Loan Rates: How Much Do Hard Money Lenders Charge?

Hard Money Lenders Charge Traditional Mortgage

Hard money lenders impose monthly interest on their loans. The interest rate on a hard money loan might vary between 8% and 15% of the entire loan amount. Until the investment property is sold and the loan is paid in full, the borrower must make monthly interest payments.

As a consequence, the amount of months you’ll have to pay interest is decided by the time it takes to finish any modifications, advertise the home, and consummate the transaction. As a consequence, the borrower’s best interests are served by completing these activities as quickly as feasible.

Furthermore, hard money lenders often impose an origination fee that ranges between 1 and 10% of the loan amount. This charge covers the loan’s administrative expenses.

Hard money lenders often ask a down payment for a property. This accounts for around 20% to 30% of the entire cost. The lender’s risk is reduced by putting this money down beforehand. It may allow for reduced interest rates and more favorable lending arrangements.

Is Best Hard Money Lenders A Scam?

Is it a scam?

So, is Best Hard Money Lenders a scam? Not technically. You can make money with this program, but it’s definitely not as easy as Gurus makes it sound.

There’s a ton of work to be done upfront, no real guarantee of success, and – most importantly – the actual profit margins on real estate investments are pretty small.

Now, there’s nothing wrong with front-loading the work and making the money later.

But if you’re grinding it out for 3 months – looking at deals, sending out offers, negotiating with the seller and lender to buy a rental property – and then your reward is like $100 a month in profits, it’s not really worth it.

What if, instead, you could do that same 3 months of work (in your spare time), and your reward was a $500 to $2,000 payment that came in every single month (with a 90-95% profit margin)?

And what if you actually didn’t need to wait 3 months? What if you could get started today and have your first payment in a week?

And what if you could double it next week?

Well, that’s the power of Digital Real Estate

And, unlike traditional real estate, you can legitimately do this from anywhere. It’s a true lifestyle business.

Your laptop and an internet connection is all you need.

Some of the most successful students in this program run their entire 6-figure businesses from:

  • A camper in the middle of the woods
  • A beach chair on the water in Mexico
  • A small villa in Greece


They’re able to travel around, living their lives first, and focusing on their income second.

Because even if they stop working for an extended period of time, the money keeps coming in.

So adventure, memories, and experience are the top priority.

And they never have to worry about how to pay for the next trip, or consider asking for time off.

If this sounds more like the type of life you want to lead, just click here to find out more about Digital Real Estate.

Are There Alternatives To Best Hard Money Lenders?

are there alternatives

Yes, there are plenty of other business models to choose from if you want to pursue this making money online.  Here are just a few:

What Is My Top Recommendation In Making Money Online In 2022?

Digital Real Estate

Our review team has spent months researching, reviewing, and vetting dozens of business models and thousands of programs.

While there may be no “perfect business”, the research IS conclusive:

Digital Real Estate is the #1 online business model for those just starting out.

Whether you’ve never made a dollar online, or you’ve been in this space for a while but never really “made it,” Digital Real Estate is for you.


1) It’s Flexible: got an hour a day? You can do this. Ready to drop everything else and dive in full time? You can do this. Yes, the more time you put in, the faster you see results. But even with a little time each day, you can move the needle in a Digital Real Estate business.

And because this system is so flexible, you don’t have to constantly be working to make more money. It’s called PASSIVE INCOME because if you stop working, the money doesn’t.

Imagine taking 3 months off to just tour around Europe, rent a cabin in the woods to write a book, hike the Appalachian Trail, or live on the beach and surf all day.

This is only possible if you have an income stream that’s not tied to your time.
Flipping and wholesaling are full-time jobs (and more), no matter what any real estate guru tells you. You always have to be searching for deals, because if you stop, so does the money.


2) You Own & Control EVERYTHING: Yes, in traditional real estate you kind of “own” the properties. But there’s also a ton of debt tied to most real estate investments, which means the property isn’t truly yours.

A lender can take it away if you miss a payment. Not to mention, loan payments really impact your profit margins.

With Digital Real Estate, you own the assets outright (with a 90-95% profit margin), which means you have all the power and all the control.


3) Little To No Startup Costs: It’s possible to get into Digital Real Estate with zero dollars upfront. Because, using the strategies outlined in this program, you can get a client to pay you BEFORE spending a penny out of your own pocket…even before you do any work.

Even without getting paid in advance, you can have your first Digital Rental Property up, running, and generating profits for less than $100.


4) Minimal Ongoing Expenses: With traditional real estate, monthly expenses are HIGH. Between loan payments, ongoing maintenance, and repairs (not to mention the possibility of having to go through the eviction process), profit margins are slim.
Plus, whenever you have a vacancy, factor in the costs to turn over a unit (plus the fact there’s no money coming in until the next tenant moves in).

With Digital Real Estate, a 100% online business with minimal maintenance and ongoing costs, you never even have to think about that risk.


5) Easy To Duplicate: Ok, here’s the best part: once you have your first Digital Rental Property up and running, you can literally DOUBLE your income with a few clicks, a couple keystrokes, and a single phone call (and you don’t actually need the phone call).

Remember: each Digital Rental Property is worth $500 to $2,000 a month in semi-passive income (over 95% profit). Every time you decide to create another one and increase your income, it gets easier.

Because you have more knowledge, more experience, more results, and more momentum.

If you wanted to double your income with traditional real estate investing, you’d have to double your monthly rent, double your deals/number of units OR double your profit margins. And, guaranteed that’s a lot harder than a few clicks and a few minutes of your life.


6) Make Money Helping Real People: This part is what makes it all worth it. With Digital Real Estate, you’re actually helping people by solving your clients’ biggest problem:

Small, local businesses need more customers, and with Digital Real Estate, you are unleashing a flood of happy, paying customers for these businesses.

You make money by helping them make money.

Not a big, faceless corporation either…a small business owner who’s using that money to put food on the table for their family, start a college fund for their kids, or take care of a sick parent.

Once you see how Digital Real Estate makes a real impact in the lives of real people, you’ll sleep like a baby with a big smile on your face.


Now, the choice is yours. You could continue browsing, looking at opportunities like Best Hard Money Lenders which could one day make you money.

You could continue researching, never making a decision.

OR, you could take a look inside, consider what you really want, and join a program that makes your dreams a reality. At the same time, joining a community of over 2,000 successful students that are living life on their own terms thanks to Digital Real Estate.

A consistent, reliable, semi-passive stream of income that doesn’t depend on you or your time to keep producing profits.

All while genuinely helping real people who are grateful and happy to pay for it.

If this sounds more like what you want out of life (or if you just want some nice side income), click here to learn more about Digital Real Estate.

Table of Contents

Brittney Here!

I get to travel the world and live life without financial worry thanks to the system below!