Terms to expect from private lending?

[Matthew Trotter]

Does anyone have a good feel for the typical terms and interest rates that someone with great credit (750-799 credit scores) can get if going through a hard money lender or private lender?

Specifically, what interest rates are typically available if LTV is above 80%? I'm targeting 90% on some prospective deals. I'd like to pay just a 10% downpayment.

I'm prequalified right now through a bank with 20% downpayment at a 4.65% interest rate.