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Imperial sits in Imperial County — a market where cash-like speed wins deals. Hard money fills that gap fast.
These are short-term, asset-based loans. The property secures the deal, not your tax returns.
5–10 Business Days
Typical Close Time
60–70% of Value
Max LTV
Flexible (600+)
Min Credit Score
6–24 Months
Loan Term
Usually None
Income Docs Required
1–4% Typical
Origination Points
Hard Money Loans in Imperial
Hard money lenders care about the property, not your W-2. Your credit score matters less than the deal itself.
Expect 30–40% equity or down payment. Lenders price risk based on loan-to-value, not income ratios.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Imperial.
Imperial sits in Imperial County — a market where cash-like speed wins deals. Hard money fills that gap fast.
These are short-term, asset-based loans. The property secures the deal, not your tax returns.
Hard money lenders care about the property, not your W-2. Your credit score matters less than the deal itself.
Most banks won't touch distressed properties or fast closes. Hard money lenders are built for exactly that.
At SRK CAPITAL, we work with 200+ wholesale lenders. We find the rate and term that fits your exit strategy.
The rate is almost never the most important number on a hard money deal. Points and fees kill more margins.
Know your exit before you close. Refinance into DSCR or sell — lenders want that plan upfront.
DSCR loans are cheaper but take 3–4 weeks. Hard money closes in days when timing is the deal.
Bridge loans overlap with hard money but often require stronger credit. Hard money is more flexible on asset quality.
Imperial County has a smaller investor pool than LA or San Diego. That means less competition for deals.
Properties here tend to be lower-priced. Smaller loan sizes can limit hard money lender appetite — bring us the deal first.
Many hard money lenders close in 5–10 business days. Speed depends on clear title and a complete file.
Many lenders approve at 600 or below. The property's value and your equity position matter far more.
Some lenders do raw land, but most prefer improved property. Expect stricter LTV requirements on land deals.
ARV means after-repair value — the estimated price after renovations. Lenders base loan amounts on ARV, not purchase price.
Hard money rates run significantly higher. Rates vary by borrower profile and market conditions — factor that into your deal math.
Yes — this is the most common exit. The property needs to cash flow and meet DSCR lender requirements at that point.