Rates shown are market-typical placeholder figures until the lender panel is signed. Final pricing comes from the term sheets lenders issue on your specific deal.
Hard money pricing has three parts: the interest rate, origination points, and closing costs. Because Kestrel Lending shops every file to multiple wholesale lenders, the numbers below reflect the range of offers a typical Texas deal receives, not one lender's rate card. Your exact quote depends on experience, leverage, property type, and market.
| Program | Interest Rate | Points | Max Leverage | Term |
|---|---|---|---|---|
| Fix & Flip | 9.9% - 12.5% | 1.5 - 3 | 75% ARV / 90% LTC | 6 - 18 months |
| Bridge | 10.5% - 13.5% | 1.5 - 3 | 70% - 75% LTV | 6 - 24 months |
| Rental / DSCR | 7.5% - 9.5% | 1 - 2 | 80% LTV | 30 years |
| New Construction | 10.5% - 13% | 2 - 3 | 85% LTC | 12 - 24 months |
We are paid 1 to 2 points per closed loan, disclosed as a line item on your settlement statement. Because we access wholesale rate sheets priced below retail, your all-in cost usually lands at or below what the same lender quotes borrowers who walk in directly. We never mark a loan up past the lender's retail pricing, and if the loan does not close, you owe nothing.
Run your numbers through the hard money loan calculator to see monthly payments, total interest, and projected profit. For program details, see fix and flip loans and bridge loans, or read how the process works from application to funding.
Get Your Rate in 24 Hours. One application, multiple term sheets, no upfront fees, no hard credit pull for a quote.
One application, multiple Texas hard money lenders competing to fund it, and a term sheet within 24 hours. No upfront fees, no hard credit pull to get a quote.
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