Hard Money Commercial Loans — What You Need to Know in 2026

Hard money commercial loans - businesspeople reviewing loan documents

Direct Answer Box How do hard money loans work for commercial real estate? Hard money loans are short-term, asset-based loans secured by the commercial property itself — not the borrower's income, tax returns, or credit history. Typical terms: 12-24 months, 10%-14% interest rates, 60%-70% LTV, with closing in 5-15 business days. Lenders underwrite the deal, […]

DSCR Loans for Commercial Real Estate — Everything You Need to Know in 2026

DSCR loans commercial real estate - investor reviewing rental income spreadsheet

Direct Answer Box What is a DSCR loan for commercial real estate? A DSCR (Debt Service Coverage Ratio) loan qualifies the borrower based on the property's income — not the borrower's personal income, W-2s, or tax returns. If the property's net operating income covers the mortgage payment by a sufficient ratio (typically 1.20x-1.25x), the loan […]