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Willows is a small agricultural market in Glenn County. Low price points create real opportunity for fix-and-flip and buy-and-hold investors.
Hard money fills a gap traditional banks leave open. Speed and flexibility matter more than rate when a deal needs to close fast.
6–24 Months
Typical Loan Term
65–75%
Max LTV (ARV)
~600–620
Min Credit Score
Usually None
Income Docs Required
7–14 Days
Est. Close Time
Hard Money Loans in Willows
Hard money lenders underwrite the deal, not your tax returns. The property's value and your exit strategy carry the most weight.
Most lenders want 25–35% equity in the deal. Credit score matters less here, but a history of completed projects helps your case.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Willows.
Willows is a small agricultural market in Glenn County. Low price points create real opportunity for fix-and-flip and buy-and-hold investors.
Hard money fills a gap traditional banks leave open. Speed and flexibility matter more than rate when a deal needs to close fast.
Hard money lenders underwrite the deal, not your tax returns. The property's value and your exit strategy carry the most weight.
Rural markets like Willows don't attract every hard money lender. Many lenders cap loans in counties with thin sales volume or limited comps.
At SRK CAPITAL, we work with 200+ wholesale lenders. We know which ones will fund a Glenn County deal without pushing back on location.
The biggest mistake investors make in small markets: underestimating rehab costs. Willows has limited contractors — build that into your budget.
Hard money terms run 6 to 24 months. Have your exit ready before you close. Refinancing into a DSCR loan is a common move after stabilization.
Bridge loans and hard money are close cousins. Bridge loans often carry slightly lower rates but require cleaner borrower profiles.
DSCR loans work better for stabilized rentals. Hard money is the right tool when you need speed and the property needs work.
Glenn County is an agricultural hub. Properties here can include rural residential, farmland, and mixed-use parcels — each with different lender appetite.
Willows is the county seat, which helps with title and escrow access. Deals here can still close in 7–14 days with the right lender in place.
With an experienced lender, 7–14 days is realistic. Rural counties can add time if appraisals are delayed.
Some do, but not all. Farmland and mixed-use parcels require lenders with specific rural lending programs.
Most lenders offer 65–75% of ARV (after-repair value). Thin local comps may push some lenders to the lower end.
Yes — that's one of the most common exit strategies. The property needs to be stabilized and rent-ready first.
Not typically. The deal and the asset drive approval. Most hard money lenders set a minimum around 600–620.
Most run 6 to 24 months. Extensions are sometimes available but usually come with added fees.