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California City sits in Kern County's high desert — a market where distressed properties and land deals move fast. Hard money is often the only tool that closes in time.
Traditional lenders won't touch many deals out here. Asset-based lending fills that gap for investors who know the area.
7–14 Days
Typical Close Time
Up to 65–70%
Max LTV (ARV)
6–24 Months
Loan Term
Asset-Based
Credit Flexibility
Non-QM / Private
Loan Type
Hard Money Loans in California City
Hard money lenders care about the property, not your W-2. They lend based on the asset's value — current or after renovation.
Most lenders want 25-35% equity in the deal. Your credit score matters less, but major derogatory history can still kill a file.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in California City.
California City sits in Kern County's high desert — a market where distressed properties and land deals move fast. Hard money is often the only tool that closes in time.
Traditional lenders won't touch many deals out here. Asset-based lending fills that gap for investors who know the area.
Hard money lenders care about the property, not your W-2. They lend based on the asset's value — current or after renovation.
Hard money is not a retail product. Banks don't offer it. You need a broker or direct private lender who knows non-QM deals.
At SRK CAPITAL, we work with 200+ wholesale lenders — including private capital sources that fund California City deals regularly.
The biggest mistake investors make is waiting too long to call. Hard money moves fast — but only if your deal is prepped.
Know your after-repair value before you call anyone. Lenders underwrite off that number. Weak comps kill deals at the wire.
Bridge loans are close cousins — but designed for borrowers with stronger existing equity. Hard money tolerates rougher deals.
DSCR loans are long-term investor tools. Hard money is a short-term scalpel. Use it to acquire and renovate, then refinance out.
California City has large land parcels and older housing stock. That combination is exactly what hard money lenders look at.
Kern County's lower price points mean smaller loan amounts — but also lower carry costs while you execute the rehab.
Many hard money deals close in 7-14 days. Property condition and clear title are the biggest factors that slow things down.
Not necessarily. Lenders focus on the property's value. Severe credit issues can affect terms but rarely disqualify strong deals.
Most lenders fund up to 65-70% of ARV. The stronger your deal and experience, the better your terms. Rates vary by borrower profile and market conditions.
Some private lenders will fund raw land in Kern County. Expect lower LTV and higher rates than improved property loans.
You need a clear exit — sell the property or refinance into a DSCR or conventional loan. No exit plan is the fastest way to lose a deal.
Yes. California regulates hard money lending under the California Finance Lenders Law. Licensed brokers must follow state disclosure rules.