Lending Desk is a non-bank lender. Our account executives and 50+ partner brokers arrange purchase, refinance, bridge, fix-and-flip, construction, DSCR, bank-statement and commercial loans across multiple states. Ask about today’s rates or your deal, in your language, any hour.
AI assistant. An account executive follows up.
Hello, and thank you for contacting Lending Desk. I’m the AI lending assistant, not a loan officer, so I can’t approve loans or quote your rate. I can explain your options, share today’s market rates and get your deal to the right account executive. What are you working on?
General information and market ranges only, not a loan offer or commitment to lend. Please don’t share Social Security or account numbers here.
Benchmarks move daily. Private-lending terms are priced from them plus the risk of each deal.
Typical market ranges for residential and commercial real estate loans. Your account executive confirms actual terms after reviewing the deal.
| Program | Best for | Typical rate | Points | Term |
|---|---|---|---|---|
| Bank-statement / non-QM | Self-employed buyers and refinances, no tax returns | 7.6–10.4% | Varies | 30 years |
| DSCR rental | Long-term rentals, qualify on rent | 7.1%+ | Varies | 30 years |
| Fix-and-flip | Buy, renovate and sell | 9–12% | 1–3 | 6–18 months |
| Bridge | Close fast, refinance or sell later | 8–12% | 1–3 | 12–36 months |
| Ground-up construction | New builds and major rebuilds | 12–15% | 1–3+ | 12–24 months |
Ranges from published 2026 market surveys. Not an offer to lend. As of Oct 31.
Account executives cover these states today. Ask the lending desk about others.
CA · NV · AZ · TX · FL · WA · OR · CO
Chat or talk with the lending desk. It asks only what a lender needs: property, numbers, exit and timeline.
You get a plain answer on whether the deal fits the lending box, and what would make it fit.
Your deal goes to the account executive covering your state and loan type, usually within minutes.
Join the network, submit deals in minutes and check status any time by chat, text or phone.
A hard money loan is a short-term real estate loan from a private lender that is approved mainly on the property’s value and the deal, not on tax returns. Investors use it to buy, renovate or bridge a property quickly, usually for 6 to 24 months, then sell or refinance.
Typical 2026 private-lending rates run about 9–12% for experienced fix-and-flip borrowers and 8–12% for bridge loans, plus 1–3 points. Ground-up construction usually prices higher, around 12–15%. These are market ranges, not offers; a licensed broker sets actual terms after reviewing the deal.
Many private bridge and hard money loans close in 7 to 14 days when the property, title and borrower documents are ready. Deals with a lender that fell through or a contract deadline can often be prioritized; the broker confirms timing after review.
A DSCR loan is a rental property loan that qualifies on the property’s rent rather than the borrower’s personal income. Lenders compare monthly rent to the monthly payment, taxes and insurance; a ratio of about 1.0 to 1.25 or higher usually unlocks better pricing.
Private lenders commonly lend up to about 70–75% of the after-repair value (ARV) on a fix-and-flip, often covering part of the purchase and the rehab budget. The exact amount depends on the property, your experience and the lender’s limits.
Yes. The lending desk answers in English, Spanish, Persian (Farsi), German and Chinese, by chat or by voice. It switches if you change language mid-conversation, and the account executive receives your file in English with your preferred language noted.