What are the going Hard/Private money rates near you?

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Curious what kind of rates hard and private lenders are offering near you? 

I am in Boston area- have heard some crazy hard money terms out there recently- 25% down, 5 points, 15% interest. That's an extreme though, I think most are between 20-25% down, 2-3 Points, and 10-12% interest. Also some more creative private lending terms out there- 0% down, 2 points, 8% interest, profit split on the back end (2/3 to developer 1/3 to lender). 

If you're struggling for the down payment and faced with cash flow problems- look for 0% down lenders. They are out there! And they make it possible to take on many more deals at a time & make more money, if you're willing to think outside the box.