It depends on your portfolio's characteristics (and your credit score, liquidity) but the typical range is about 4.75% - 5.5% for a 30 yr fixed, with a 5 year prepayment penalty (if prepayment penalties are allowed in your state -- some states, like OH, MI, PA have restrictions on prepayment penalty terms & fees).

They're typically priced in the 4-7% ranges so they're not going to give you that ultra low 3's rates that a conventional lender might.It would be best to figure out what your scenario is currently and see which route would be best for you going forward. 

@Mike Bianchi you could buy fully renovated 12+ unit multifamily in OKC for that price range.

Fridges, ranges, HVAC, roof leaks, repaint and carpets at turnover, landscaping during vacancy, clogged toilet, etc: these things happen.  

I’m looking at Condos in my area in the $250k range, pulling $22.5k out of the 401k to buy, but was considering (if possible) a hard money lender for the other $40k (for 24 months) to avoid pmi (which is $270)My Questions are:Are there hard money lenders to stay away from?

But reviewing a few DST projects the distribution projected are in the 4%-5% instead of what I remember 2-3 years ago in the >6% range.

I used the BP rental calculator to assess the properties for sale for almost every property within my price range.

How would one go about finding a flexible term hard money loan against real estate they own outright in the $4m range in California?

Your credit score will give you a sweet interest rate but let's talk cash requirement and price ranges on deals. 

My range was $160k-$200k.