Depending on your overall project a hard money lender is usually worth using if there is enough profit margin.  Hard money lenders offer quick and flexible terms to purchase a property quickly compared to a bank or instituational backed lender.  They require fewer documents and are not credit driven.  However, they often come with higher interest rates, short repayment periods, and additional fees. Whether they are worth it depends on your situation, time frame, credit score and ability to manage the loan’s terms effectively.