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Private Money Lender Loan Term and Approval time. private money loans can have terms anywhere from 1 month to 3 years or more. However, when a borrower works with private lenders such as hard money lenders, loan terms are between 1 – 3 years. Most hard money lenders try to keep their loans to a 1-year term.
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Home-Flipping Trend Weakens as High-Interest Lenders Jump 40% – So-called "hard money,” which comes from sources. While he will only loan up to 60% of a property’s value, some of the newer lenders will go up to 90%, Weinberg said. After a long run-up, though,
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Hard money loans are generally short-term loans, lasting from one to five years. You wouldn’t want to keep them much longer than that anyway, because interest rates for hard money are generally higher than they are for traditional loans.