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Taft is a small oil-town market in western Kern County. Low price points here create real opportunity for fix-and-flip investors.
Hard money lenders don't care about your W-2. They care about the property's value and your exit strategy.
6 – 24 Months
Typical Loan Term
Up to 70-75% ARV
Typical LTV
550+ (varies)
Min Credit Score
Usually None
Income Docs Required
7 – 14 Days
Est. Close Time
Hard Money Loans in Taft
Hard money lenders approve based on the asset, not your tax returns. Your credit score matters less than the deal itself.
Most lenders want 25-35% equity or down payment. Strong ARV — after-repair value — is what closes the deal.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Taft.
Taft is a small oil-town market in western Kern County. Low price points here create real opportunity for fix-and-flip investors.
Hard money lenders don't care about your W-2. They care about the property's value and your exit strategy.
Hard money lenders approve based on the asset, not your tax returns. Your credit score matters less than the deal itself.
Most banks won't touch a distressed property in Taft. Hard money lenders are built for exactly that situation.
We work with 200+ wholesale lenders. That means we find programs for rural Kern County deals that retail lenders turn away.
The deals I see fall apart when investors underestimate rehab costs in Taft. Price out your scope before you apply.
Your exit strategy matters as much as your down payment. Know if you're flipping or refinancing into a DSCR loan before closing.
Bridge loans are close cousins to hard money — but bridge loans usually require cleaner properties and stronger borrower profiles.
DSCR loans are the natural next step. Once you stabilize a rental, refinance out of hard money into a long-term DSCR product.
Taft's economy ties closely to oil production. Investor demand here runs in cycles tied to the energy sector.
Western Kern County rural properties can limit your lender pool. Not every hard money lender will underwrite in Taft — we know which ones will.
Yes. Hard money lenders fund distressed properties banks reject. The key is a solid ARV and a realistic rehab plan.
Many hard money deals close in 7-14 days. Speed depends on your lender, the title, and your documentation.
Rates vary by borrower profile and market conditions. Hard money rates run significantly higher than conventional financing.
Some do, some don't. We identify which lenders actively fund western Kern County deals — that saves you wasted applications.
Hard money is short-term and asset-based. DSCR loans are long-term rentals priced on the property's cash flow.
Most lenders require 25-35% down or equivalent equity. Stronger deals with high ARV margins can sometimes negotiate lower.