The higher the ratio, the more difficult it is to get a loan. Usually, hard money lenders loan only about 70% of the value of the property.
Interest rates for hard money loans range from 10 – 15% depending on the specific lender and the perceived risk of the loan. Points can range anywhere from 2 – 4% of the total amount loaned. The interest rates and points may vary greatly depending on the loan to value ratio.
If you are lucky enough to have a balcony attached to your house or apartment, then I am extremely jealous because that.
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