Depending on your situation a Hard money lender can be worth using, but they come with pros and cons. They offer fast, asset-based loans with flexible terms, making them ideal for real estate investors and commercial property owners. However, they often come with higher interest rates, shorter repayment periods and additional fees. Whether they are worth it depends on your situation, time frame, credit score and ability to manage the loan terms effectively.  Most real estate investors are opportunistic and would rath pay slightly more for the capital (and use a hard money lender)  in order to secure the real estate investment project.