Best Hard Money Lenders for Fix and Flip 2026
We tested, compared, and evaluated the top hard money lenders available in 2026. This guide cuts through the marketing hype and ranks each platform based on what actually matters for wholesalers and real estate investors: features that save time, data quality you can trust, and pricing that makes sense for your deal volume.
Our top picks
1. Kiavi (formerly LendingHome) — Best for experienced flippers
Price: 9-13% rate
One of the largest fix-and-flip lenders. Up to 90% of purchase + 100% of rehab. Fast online process. Requires 2+ prior flips.
2. Lima One Capital — Best for variety of loan types
Price: 9-12% rate
National lender with fix-and-flip, rental, and new construction loans. Up to 90% LTC. Good customer service reputation.
3. RCN Capital — Best for bridge loans
Price: 9.5-12.5% rate
Bridge loans and fix-and-flip financing. Up to 90% of purchase, 100% of rehab. Available in most states.
4. Groundfloor — Best rates for qualified borrowers
Price: 7-14% rate
Crowdfunded real estate lending with competitive rates. Up to 90% LTC. Unique model with potentially lower rates.
5. Local/regional lenders — Best for flexibility
Price: 10-15% rate
Local hard money lenders often have more flexible terms and relationship-based lending. Ask your title company and REI group for referrals.
How we evaluated
Every tool in this roundup was evaluated on five criteria:
- Feature completeness: Does it do what it claims? Are there critical gaps?
- Data quality: Is the information accurate and current?
- Ease of use: Can a solo wholesaler get value in the first session?
- Pricing transparency: Are there hidden costs, per-use fees, or required add-ons?
- Integration: Does it work with your existing tools or replace them entirely?
The bottom line
Understanding hard money helps you market deals to flip buyers. They need lender-friendly deals — and Deal Run helps you present them.