Question 1

How fast can I close a hard money loan in Orinda?

Accepted Answer

Most deals close in 7-14 days once you have a purchase contract. We've funded investor acquisitions in five business days when the property appraisal came back quickly.

Question 2

What credit score do I need for hard money financing?

Accepted Answer

Many lenders approve with scores as low as 580 if the deal works. Your experience level and down payment matter more than credit history for asset-based loans.

Question 3

Can I use hard money for a primary residence in Orinda?

Accepted Answer

Hard money serves investment properties, not owner-occupied homes. Bridge loans work better if you're buying before selling your current house.

Question 4

What's the typical loan-to-value on Orinda properties?

Accepted Answer

Expect 65-75% LTV based on purchase price or after-repair value. Experienced investors with strong exit strategies can hit 75% on the right deals.

Question 5

How do I refinance out of hard money?

Accepted Answer

Most investors refinance into DSCR loans after renovations or sell the property. Plan your exit before you fund—rates climb fast if you extend terms.

Hard Money Loans in Orinda: Fast Funding for Real Estate Investors