Most hard money lenders make 5-10% on the origination and 10-15% per month as well. It is a much more risky proposition as well, especially in this real estate market so most of the people that would offer up the type of money that you are talking are a lot more greedy right now. If you can get money at 10% that is unsecured and private in this market you are the man...and you deserve more than 2%. I have operated a hard money company by loaning money for other hard money lenders before, but in this market hard money lenders are fewer and farther between.