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Dublin's real estate market is shifting as the city approves major housing projects like the 113-unit senior affordable building on Regional Street.
Hard money works best for fix-and-flip projects, bridge financing, or purchases where traditional lenders hesitate. The trade-off is straightforward: faster approval and more flexible terms come with higher interest rates and shorter repayment windows.
8–15%
Typical Interest Rate
2–4 weeks
Closing Timeline
20–30%
Down Payment Range
12–24 months
Loan Term
Hard Money Loans in Dublin
Hard money lenders in California care about one thing: the property's after-repair value (ARV) and your exit strategy. Credit score matters far less than it does for conventional loans.
Down payments typically run 20–30% of the purchase price, though some lenders go lower on strong deals. Interest rates range from 8% to 15% depending on loan-to-value, property condition, and your experience.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Dublin.
Dublin's real estate market is shifting as the city approves major housing projects like the 113-unit senior affordable building on Regional Street.
Hard money works best for fix-and-flip projects, bridge financing, or purchases where traditional lenders hesitate. The trade-off is straightforward: faster approval and more flexible terms come with higher interest rates and shorter repayment windows.
Hard money lenders in California care about one thing: the property's after-repair value (ARV) and your exit strategy. Credit score matters far less than it does for conventional loans.
California's hard money market is fragmented. Private lenders, real estate investment groups, and specialized finance companies all compete for deals. Unlike conventional banks, hard money lenders are not regulated the same way—rates and terms vary widely.
Most hard money lenders in California require a detailed business plan: purchase price, repair estimate, after-repair value, and your exit (sale or refinance). Appraisals happen fast, and underwriting focuses on the property, not your tax returns.
Hard money makes sense in Dublin when you're buying a property that needs work and plan to refinance or sell within 24 months. If you're a first-time investor or the numbers are tight, the 8–15% interest rate and short term can eat into profit.
Where hard money shines is speed and flexibility. Dublin's market moves fast, and if a conventional lender would take 45 days to approve a deal that closes in 10 days, hard money wins.
Hard money vs. conventional loans is really about timeline and flexibility. Conventional financing takes 30–45 days and requires strong credit, stable income, and a property in good condition.
For Dublin investors buying distressed properties or flipping, hard money's speed often justifies the higher rate. For owner-occupants buying a move-in-ready home, conventional is almost always cheaper over the long run.
Dublin City Council just approved a 113-unit senior affordable housing project on Regional Street. That kind of development signals infrastructure investment and population growth.
The East Bay's restaurant boom—Filipino, burger, Mexican, and Nicaraguan spots opening across the region—reflects economic activity and foot traffic. Growing neighborhoods attract more buyers and renters.
Most hard money lenders close in 2–4 weeks. Conventional loans take 30–45 days. Speed depends on appraisal turnaround and your readiness to submit documents. If the deal is solid and you're organized, 10–14 days is possible.
Hard money lenders typically want 600+ FICO, but some go lower on strong deals. Credit matters less than property value and your exit plan. A 550 FICO with a solid fix-and-flip project may work; a 750 FICO on a weak deal might not.
Expect 20–30% down on most deals. Some lenders go 15% on strong properties or experienced investors. The lender's loan-to-value limit and the property's condition drive the number. Bring proof of funds or a credit line.
Most lenders allow extensions or refinancing if the property is on track. Some charge extension fees or higher rates. Plan your exit carefully—sale, refinance to conventional, or cash-out. If you default, the lender forecloses on the property.
No. Hard money costs 8–15% interest plus fees; conventional runs 5–7%. But hard money closes in weeks while conventional takes 45 days. On a fast flip, hard money's speed can save money even at a higher rate. Run the full project timeline.