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San Leandro sits in one of the Bay Area's most active investor corridors. Fix-and-flip activity, rental acquisitions, and value-add plays run steady here.
Hard money fills the gap conventional financing can't. Speed and asset value matter more than tax returns or credit history.
7–14 Days
Typical Close Time
65–70%
Max LTV (Typical)
Flexible
Min Credit Score
6–24 Months
Loan Term
Not Required
Income Verification
Hard Money Loans in San Leandro
Hard money lenders underwrite the property, not the borrower. Your credit score matters less than the deal's numbers.
Most lenders want 30–40% equity in the deal. Bring a solid exit strategy — refinance, sale, or both.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in San Leandro.
San Leandro sits in one of the Bay Area's most active investor corridors. Fix-and-flip activity, rental acquisitions, and value-add plays run steady here.
Hard money fills the gap conventional financing can't. Speed and asset value matter more than tax returns or credit history.
Hard money lenders underwrite the property, not the borrower. Your credit score matters less than the deal's numbers.
Hard money is a private lending space. Rates, terms, and LTV limits vary dramatically across lenders.
SRK CAPITAL works with 200+ wholesale lenders. We match your deal to lenders who actually fund in Alameda County.
Bankrate flagged rates climbing to 6.19% on conventional loans as of March 2026. Hard money pricing is separate — but tighter conventional markets push more investors toward hard money to stay nimble.
The deals I see fail aren't rate problems. They're exit strategy problems. Know exactly how you're getting out before you close.
Bridge loans overlap with hard money but often come with stricter qualifying. DSCR loans are better for stabilized rentals with existing cash flow.
Hard money wins on speed and flexibility. If you need 30-day close on a distressed property, nothing else competes.
San Leandro's older housing stock makes it prime fix-and-flip territory. Many properties need work that traditional lenders won't touch.
Alameda County's competitive market means contingency-free offers win. Hard money lets investors write clean, fast offers.
Experienced hard money lenders can close in 7–14 days. Have your property details and exit strategy ready upfront.
Most lenders fund single-family, multi-family, and mixed-use. Heavily distressed or non-habitable properties may require a specialist lender.
Credit still matters, but it's not the primary factor. The property value and your equity position drive the decision.
Yes. Many hard money programs include a rehab draw schedule. Funds release in stages as renovation milestones are completed.
Most borrowers refinance into a DSCR or conventional loan. Having that exit lined up before closing is critical.
Yes. Hard money rates reflect short terms and higher risk. The speed and flexibility are what investors pay for. Rates vary by borrower profile and market conditions.