Loading
Emeryville sits between Oakland and Berkeley — a dense, fast-moving market for investors. Properties here move quickly, and conventional financing timelines don't fit.
Hard money fills that gap. These are asset-based loans. The property value drives approval, not your tax returns.
6–24 months
Typical Loan Term
Up to 75% ARV
Max LTV (ARV-based)
Asset-driven approval
Credit Flexibility
5–10 business days
Typical Close Time
Private, deal-based
Rate Type
Lenders care most about the property's after-repair value (ARV). That's what secures the loan. Your income docs take a back seat.
Most hard money lenders want 25-35% equity in the deal. Strong exit strategy matters — show how you'll pay it off.
Hard money lenders are private — not banks. Each sets their own terms, fees, and risk tolerance. Rates vary widely.
We work with 200+ wholesale lenders, including private capital sources active in Alameda County. Not every lender knows this market. We do.
Bankrate flagged rates climbing to 6.19% on conventional products — geopolitical tension moving markets. Hard money pricing moves differently. It's driven by deal risk, not bond yields.
Rates vary by borrower profile and market conditions. That said, a clean deal with strong ARV and low LTV still gets funded competitively, regardless of what conventional rates do.
Bridge loans and DSCR loans serve investors too — but differently. Bridge loans transition you between properties. DSCR loans qualify on rental income. Hard money qualifies on the asset itself.
For fix-and-flip or fast acquisitions in Emeryville, hard money is often the only tool that closes in time.
Emeryville is a small city with high property density and strong commercial-residential mix. Investors target both multi-unit residential and mixed-use here.
Alameda County title and escrow timelines can still be compressed with the right lender. Hard money makes that possible when a deal is on the line.
Many hard money deals close in 5-10 business days. It depends on the lender and how complete your file is.
Most lenders don't have a strict minimum. The property and deal structure matter far more than your score.
Yes — that's exactly what these loans are built for. Lenders fund acquisition and often fund rehab draws too.
Usually 6 to 24 months. These are short-term by design. You need a clear plan to sell or refinance.
Most require at minimum a broker price opinion or drive-by appraisal. Full appraisals depend on deal size and lender.
Most lenders cap at 65-75% of ARV. Higher-value properties in Emeryville may see tighter limits. Rates vary by borrower profile and market conditions.
Hard Money Loans in Emeryville