--- title: Hard Money Loans | addy Help Centre description: Hard money loans are short-term, asset-based loans with higher rates, used by real estate investors for quick capital, focusing on property value over --- [Skip to content](https://learning.addyinvest.com/hard-money-loans#main-content) English Show submenu for translations ![addy logo.png\]](https://learning.addyinvest.com/hs-fs/hubfs/logos%20-%20addy/addy%20logo.png?height=40&name=addy%20logo.png) Open main navigation Close main navigation - English Show submenu for translations - [Go to addyinvest.ca](https://addyinvest.ca/) [Go to addyinvest.ca](https://addyinvest.ca/) Hello 👋 How can we help you? - There are no suggestions because the search field is empty. 1. [addy Help Centre](https://learning.addyinvest.com/) 2. [Hard Money Loans](https://learning.addyinvest.com/hard-money-loans) # Hard Money Loans Hard money loans are short-term, asset-based loans with higher rates, used by real estate investors for quick capital, focusing on property value over - [What is an Interest Reserve?](https://learning.addyinvest.com/what-is-an-interest-reserve) ## For Borrowers - [What are the eligibility requirements to borrow a hard money loan?](https://learning.addyinvest.com/what-are-the-eligibility-requirements-for-a-hard-money-loan) - [Who pays for the appraisal cost with a Hard Money Loan?](https://learning.addyinvest.com/who-pays-for-the-appraisal-cost-with-a-hard-money-loan) - [How Does a Mortgage Discharge Work for Hard Money Loans](https://learning.addyinvest.com/how-does-a-mortgage-discharge-work-for-a-borrower) - [Appraisal Requirements for Home Equity Loans](https://learning.addyinvest.com/appraisal-requirements) - [How to Make Loan Payments for your Hard Money Loan](https://learning.addyinvest.com/how-to-make-loan-payments-for-your-hard-money-loan) - [Why do We Require an Insurance Binder and Payee Status?](https://learning.addyinvest.com/we-require-an-insurance-binder-and-payee-status) - [How We Select Appraisal Firms for Property Valuations](https://learning.addyinvest.com/how-we-select-appraisal-firms-for-property-valuations) - [Why We Request Details of Your First Mortgage?](https://learning.addyinvest.com/why-we-request-details-of-your-first-mortgage) - [Typical Fees for Borrowing Hard Money Loans](https://learning.addyinvest.com/fees-for-borrowing-hard-money-loans) See less ▼ ## For Lenders - [What happens if the borrower defaults and the loan is underwater? Can addy go after other assets?](https://learning.addyinvest.com/what-happens-if-the-borrower-defaults-and-the-loan-is-underwater-can-addy-go-after-other-assets) - [What due diligence is done on hard money loans? Why is credit score and income not shared?](https://learning.addyinvest.com/what-due-diligence-is-done-on-hard-money-loans) - [What is a Hard Money Loan?](https://learning.addyinvest.com/what-is-a-hard-money-loan) - [How does the investment work? How do multiple share classes work in Hard Money Loans?](https://learning.addyinvest.com/how-do-multiple-share-classes-work-in-hard-money-loans) - [If the loan is backed by a mortgage who or what entity holds the mortgage for the large number of investors? How are defaults dealt with?](https://learning.addyinvest.com/if-the-loan-is-backed-by-a-mortgage-who-or-what-entity-holds-the-mortgage-for-the-large-number-of-investors-how-are-defaults-dealt-with) - [What are some key differences between a hard money loan and the credit deal such as the one with Trez Capital?](https://learning.addyinvest.com/what-are-some-key-differences-between-a-hard-money-loan-and-the-credit-deal-such-as-the-one-with-trez-capital) - [Is a hard money loan a fund?](https://learning.addyinvest.com/is-a-hard-money-loan-a-fund) - [What factors can I evaluate lending on?](https://learning.addyinvest.com/what-factors-can-i-evaluate-a-loan-application-on) - [Why is Form B (Mortgage) sufficient as a Loan Agreement in British Columbia?](https://learning.addyinvest.com/why-is-form-b-sufficient-as-a-loan-agreement-in-british-columbia) - [What is LTV (Loan-to-Value ratio)?](https://learning.addyinvest.com/what-is-ltv-1) - [How is the value of the property determined in a hard money loan?](https://learning.addyinvest.com/how-is-the-value-of-the-property-determined-in-a-hard-money-loan) - 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