No, not all hard money lenders require a down payment, but most do. Standard down payments range from 10% to 30% of the purchase price. However, some lenders offer higher financing if the borrower has:

  • Cross-collateral (e.g., other properties with equity)
  • Strong real estate experience
  • A low loan-to-value (LTV) ratio (buying well below market value)
  • A proven track record with the lender