Hard Money Lenders are private individuals and/or entities who are willing to lend money to investors. Beware that every hard money lender operates differently (e.g. interest rates, loan terms, willingness to loan, etc). Be sure to shop around for the best rates. Read the fine print. Become familiar with the timeframes to flip the investment property mentioned in the contract. Most Hard Money Lenders will provide financing for 70-85% LTV (loan to value).