If you’re a real estate investor looking to flip houses, fund a BRRRR deal, or close fast on a competitive property, hard money lenders can be a game-changer. Unlike traditional banks, these lenders focus more on the value of the property than on your personal income. That means faster approvals, flexible terms, and funding in days, not months. Here are the top 10 hard money lenders for real estate investors this year, each known for speed, flexibility, and investor-friendly programs.
1. Kiavi
Kiavi is one of the most popular hard money lenders for fix-and-flip and rental property investors. Formerly known as LendingHome, Kiavi offers fast online applications, transparent rates, and funding in as little as 7–10 days. They operate in multiple states and focus heavily on technology, making the process smooth and investor-friendly. Loan amounts can reach into the millions, depending on experience and property value. For real estate investors who want a streamlined digital experience combined with competitive rates, Kiavi consistently ranks as a top hard money lending option.
2. RCN Capital
RCN Capital specializes in short-term fix-and-flip loans and long-term rental financing for real estate professionals. They work with investors, developers, and commercial contractors across the country. RCN is known for competitive interest rates, flexible underwriting, and scalable financing solutions for growing portfolios. If you’re expanding from single flips to multiple properties, RCN Capital offers structured programs that grow with your business. Their nationwide presence and experience with seasoned investors make them one of the most reliable hard money lenders in today’s market.
3. Lima One Capital
Lima One Capital focuses on real estate investors who need financing for fix-and-flips, rental properties, and new construction projects. Backed by institutional capital, they provide stable funding even in shifting markets. Lima One is especially strong for investors building rental portfolios, offering DSCR loan options and long-term financing. Their team understands investor timelines and rehab budgets, which helps simplify approvals. If you want both short-term bridge loans and long-term rental financing from one lender, Lima One Capital is a solid choice.
4. Visio Lending
Visio Lending is best known for rental property loans rather than traditional fix-and-flip financing. They focus on DSCR (Debt Service Coverage Ratio) loans, meaning approval is based primarily on property cash flow instead of personal income. This makes them ideal for investors with multiple properties or complex tax returns. Visio operates nationwide and has funded thousands of rental loans. If your strategy revolves around buy-and-hold real estate investing, Visio Lending offers a straightforward and scalable funding solution.
5. CoreVest Finance
CoreVest Finance provides both bridge loans and long-term rental property financing for serious real estate investors. They’re particularly strong in single-family rental portfolios and multi-property funding. CoreVest often works with experienced investors and institutional buyers who need large-scale capital. Their underwriting focuses on property performance, making them flexible compared to traditional banks. For investors scaling aggressively and acquiring multiple rental units, CoreVest Finance is one of the top hard money and private lending options available.
6. Anchor Loans
Anchor Loans has built a strong reputation in the fix-and-flip space. They provide bridge loans for acquisitions, rehabs, and ground-up construction projects. With years of experience funding residential investment properties, Anchor understands the needs of flippers who must move quickly. Their loan programs are structured around property value and exit strategy, making them attractive to experienced investors. If speed and reliable closings are your top priorities, Anchor Loans remains a leading hard money lender nationwide.
7. LendingOne
LendingOne offers both short-term bridge loans and long-term rental financing for real estate investors. Their digital-first platform makes applying for and managing loans simple and efficient. LendingOne is especially popular among house flippers looking for competitive leverage and transparent terms. They also provide portfolio rental loans for investors holding multiple properties. With nationwide coverage and flexible programs, LendingOne continues to be one of the top hard money lenders for both new and experienced real estate investors.
8. New Silver
New Silver is a technology-driven hard money lender focused on speed and simplicity. Their fully online platform allows investors to get pre-qualified quickly, often within minutes. New Silver provides fix-and-flip loans, bridge loans, and rental financing across many U.S. states. They emphasize transparent pricing and streamlined approvals, which appeal to modern investors who value efficiency. For real estate professionals seeking quick funding decisions without traditional bank hurdles, New Silver is an increasingly popular option.
9. Patch of Land
Patch of Land connects real estate investors with private capital for short-term property financing. They focus on bridge loans for residential investment properties and emphasize quick closings. This lender is well-suited for investors who need flexible underwriting and property-based approvals. Patch of Land has funded thousands of projects nationwide and works with both first-time flippers and seasoned professionals. If you need short-term funding to secure and renovate a property quickly, Patch of Land is worth considering.
10. Haus Lending
Haus Lending offers fast, flexible financing solutions for fix-and-flip and rental property investors. They focus on transparent pricing and efficient approvals, helping investors close deals quickly. Haus Lending works in multiple states and provides funding tailored to both experienced and newer investors. Their straightforward approach and investor-focused service make them a strong contender in the hard money lending space. For real estate investors seeking reliable short-term capital without the red tape of traditional banks, Haus Lending delivers competitive solutions.
Conclusion
Choosing the right hard money lender can dramatically impact your profitability and deal flow. Whether you’re flipping houses, building a rental portfolio, or scaling a real estate investment business, speed and flexibility matter. Compare interest rates, loan terms, fees, and state availability before committing. The best hard money lenders combine fast closings with transparent pricing and investor-friendly underwriting, helping you secure deals and grow your real estate portfolio with confidence.