Yes, if it’s the only loan you’re able to get. If you need a loan and have been turned down at every bank, credit union, broker – yes, a hard money loan is good. It’s important that we don’t try to sugar coat this loan. It won’t be the best interest and fees are higher. But private investors are putting up their own money, and the risk is much higher – hence the higher interest rate. Also, the private investors are not usually asking for tax returns, paystubs, or W-2’s. Credit is looked at but not a large consideration. We have funded loans with credit below 500.