Every hard money deal has different lending criteria and different point structures and interest rates.  As a general rule, count on an interest rate anywhere from 13-15%, and you will probably have to pay anywhere from 4-5 points. Sometimes we will require points to be paid up-front, while other times we can build them into the loan amount.  We have come to find that each hard money deal is unique and it is impossible to provide exact numbers and loan structure until the deal is reviewed and approved, although all loan terms are always disclosed up-front and long before settlement.