Indicative pricing

Current rates

What business-purpose real estate financing actually costs right now, by program. Most sites in this category make you call to find out whether you are in the ballpark. Here it is on a page.

Last updated: 25 August 2026 · Reviewed monthly. · Sources

Read both columns. “Starts at” is the lowest published rate we could source for that program — it goes to the strongest borrower profile only, usually meaning a long track record, low leverage and strong credit. “Typical range” is where most deals actually price. A starting rate quoted without that context is how this industry misleads people, so we show you both.

By program

Published market rates by program. Last updated 25 August 2026. Sourced below.
ProgramStarts atTypical rangeMax leveragePointsTerm
Hard Money9.24%9.5% – 12%65–75% LTV1.5 – 36 – 24 months
Fix & Flip9.24%9.5% – 12%up to 95% LTC1.5 – 312 – 18 months
DSCR5.50%6.5% – 8%75–80% LTV—30 years
Bridge8.00%10% – 12%65–75% as-is1.5 – 312 – 24 months
Ground-Up9.99%10% – 13%up to 85% LTC—12 – 24 months
Gap Funding12.00%12% – 18%second position—short term
Commercial——65–75% LTV——
Subject to underwriting. Not an offer or commitment to lend.
These are market rates, not our rates. Easy Lending USA is not a lender and does not set pricing. The figures above are published by independent lenders and market surveys, and are shown so you can judge whether your deal is in range before spending time on it. The terms you are actually offered are set by the lender that underwrites your file.

What credit does

Credit is one input among several. A stronger file on experience or leverage can offset a weaker band, and the reverse is also true. On DSCR loans in particular, most lenders sit at a floor around 620–660, with the best terms reserved for 700+.

How credit bands are treated across published programs.
FICO bandWhat it generally means
740+Best published pricing; highest leverage tiers
700–739Optimal DSCR terms generally require 700+
660–699Widely accepted; pricing steps up
620–659Around the common DSCR floor of 620–660
Below 620Limited; asset strength has to carry the file
Subject to underwriting. Not an offer or commitment to lend.

The number people forget

Points move the real cost more than the headline rate does on short-term debt. Three points on a twelve-month loan is three percent of the loan amount on top of the interest — on a nine-month flip, that is a materially different annualised cost from the rate you were quoted.

On DSCR loans the equivalent trap is the prepayment penalty. If there is any chance you sell or refinance inside the penalty window, that clause can cost more than the rate difference you were optimising for.

What this costs you

Nothing, to find out. We charge no application fee, no processing fee, no document fee and no upfront fee of any kind. We are compensated by the lender when a referred transaction closes.

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Sources

Figures compiled 25 August 2026 from publicly published lender rate sheets and market surveys. We are not affiliated with the companies named. Rates change without notice — confirm directly before relying on any figure here.

  • RCN Capital — published fix and flip and 30-year DSCR starting rates
  • Lima One Capital — published loan-to-cost tiers
  • North Coast Financial — hard money interest rate survey, 2026
  • Gelt Financial — hard money rates and terms guide, 2026
  • OfferMarket and HomeAbroad — DSCR rate indices, August 2026
  • Stormfield Capital and Vaster — bridge loan rate surveys, 2026
  • Clearhouse Lending and CoFi — ground-up construction rate guides, 2026
  • FortuneBuilders and Private Lender Link — gap funding cost ranges