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Maricopa sits in southern Kern County — oil country with a small-town footprint and low property prices. That combination makes it a real target for fix-and-flip investors who want wide margins.
Hard money loans are asset-based. The lender cares about the property's value, not your tax returns. That matters in a market where deals move faster than bank underwriting.
6–24 Months
Typical Loan Term
65–75%
Typical Max LTV
Deal-Driven
Credit Focus
7–14 Days
Funding Speed
Hard Money Loans in Maricopa
Hard money lenders focus on two things: the property's current value and its after-repair value (ARV). Your credit score matters less here than the deal itself.
Most lenders want to see 25–35% equity in the deal. You bring a real down payment. In exchange, you get fast funding — sometimes in days, not weeks.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Maricopa.
Maricopa sits in southern Kern County — oil country with a small-town footprint and low property prices. That combination makes it a real target for fix-and-flip investors who want wide margins.
Hard money loans are asset-based. The lender cares about the property's value, not your tax returns. That matters in a market where deals move faster than bank underwriting.
Hard money lenders focus on two things: the property's current value and its after-repair value (ARV). Your credit score matters less here than the deal itself.
Hard money is a private lending space. Banks don't play here. You're dealing with private funds and individual investors — terms vary wildly from one to the next.
Working with a broker who has access to 200+ wholesale lenders matters in this space. One hard money fund may cap at 65% LTV. Another goes to 75%. That gap changes your entire deal structure.
The biggest mistake investors make: they call one hard money lender and take the deal. Rates and fees spread wide in this space. Rates vary by borrower profile and market conditions.
Maricopa properties are cheap on paper. But hard money lenders will scrutinize your exit strategy hard. Know your comps cold before you apply. A shaky ARV kills the deal fast.
Hard money costs more than a DSCR loan. Rates run higher, terms are shorter — typically 6 to 24 months. But DSCR loans require stabilized rental income. Hard money doesn't.
Bridge loans are close cousins. The difference is purpose. Hard money leans toward acquisition and rehab. Bridge loans connect two properties. If you're flipping in Maricopa, hard money is usually the right tool.
Maricopa is a small market. That means fewer buyers on the back end when you're ready to sell. Your exit timeline needs to be realistic — price your ARV conservatively.
Kern County has active code enforcement in some areas. A solid scope of work and a licensed contractor help your hard money lender feel confident in your renovation plan.
Many hard money lenders close in 7–14 days. Speed depends on how quickly you provide the property details and scope of work.
Not necessarily. Lenders prioritize the deal over your credit score. A strong property and solid ARV carry more weight.
Most hard money lenders land between 65–75% LTV. The exact number depends on the lender and the property's condition.
Hard money works for acquisition and rehab. Once stabilized, most investors refinance into a DSCR loan for the long-term hold.
Most lenders offer extensions — for a fee. Build buffer into your timeline. Maricopa is a slower resale market.