Question 1

How fast can a hard money loan close in Hayward?

Accepted Answer

Most hard money loans close in 5–10 business days. Have your property details and exit strategy ready before you apply.

Question 2

Do I need good credit for a hard money loan?

Accepted Answer

Credit is reviewed but rarely the deciding factor. Lenders care more about the property's value and your plan to repay.

Question 3

What LTV can I expect on a Hayward investment property?

Accepted Answer

Most hard money lenders cap LTV at 65–75%. Higher leverage is possible with a strong deal and proven track record.

Question 4

Can I use hard money for a fix-and-flip in Hayward?

Accepted Answer

Yes — fix-and-flip is the most common use case. Lenders will want your rehab budget and after-repair value estimate.

Question 5

How is hard money different from a DSCR loan?

Accepted Answer

DSCR loans are for stabilized rental properties and take weeks to close. Hard money is faster and covers properties that need work.

Question 6

What's the typical loan term on a hard money loan?

Accepted Answer

Terms usually run 6–24 months. These are short-term tools — not long-term financing.

Hard Money Loans in Hayward, CA — Fast Capital for Investors