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Tehachapi sits in a transitional zone — rural Kern County character, but close enough to the LA basin to attract investors chasing value.
Fix-and-flip activity, land acquisition, and renovation plays all happen here. Hard money is often the only tool fast enough to compete.
6–24 Months
Typical Loan Term
65–75% of ARV
Max LTV
Low — equity-driven
Credit Focus
Acquire & Renovate
Loan Purpose
7–14 Days
Est. Close Time
Hard Money Loans in Tehachapi
Hard money lenders care about the property's value — not your W-2. Your credit score matters less than the deal's equity position.
Most lenders want 25–35% down or equivalent equity. Strong exit strategies — resale or refinance — close deals faster than anything else.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Tehachapi.
Tehachapi sits in a transitional zone — rural Kern County character, but close enough to the LA basin to attract investors chasing value.
Fix-and-flip activity, land acquisition, and renovation plays all happen here. Hard money is often the only tool fast enough to compete.
Hard money lenders care about the property's value — not your W-2. Your credit score matters less than the deal's equity position.
Retail banks won't touch most Tehachapi investment deals. Hard money comes from private lenders and specialty funds — not your local branch.
With 200+ wholesale lenders, we shop programs built for rural California markets. Not every lender will lend in Kern County — we know who does.
The biggest mistake investors make in Tehachapi: underestimating rehab costs. Lenders who know this market will scrutinize your ARV closely.
ARV — after-repair value — is what the lender lends against. A weak comparable sales analysis kills deals before they start.
Bridge loans cover short gaps. DSCR loans work for stabilized rentals. Hard money is for properties that need work before they qualify for anything else.
Once you've renovated and stabilized the asset, a DSCR or conventional refinance is usually the right exit. Hard money is the starting gun, not the finish line.
Tehachapi's mountain location creates real appraisal challenges. Comparable sales can be thin, which affects how lenders calculate ARV.
Land deals and rural properties are common here. Not every hard money lender funds raw land — confirm that upfront before you waste time on applications.
Many deals close in 7–14 days. Appraisal turnaround in rural Kern County can slow things — plan for that early.
No. Lenders focus on the property's value and your equity. Credit is reviewed but rarely the deciding factor.
Fix-and-flip, rental, mixed-use, and some land deals qualify. Raw land is harder — not all lenders will fund it.
Most Tehachapi hard money deals land at 65–75% LTV. Rural properties sometimes see tighter limits due to limited comps.
Terms usually run 6 to 24 months. These are short-term bridge tools — not long-term holds. Rates vary by borrower profile and market conditions.
Some lenders will fund land, but it's deal-specific. You'll need a strong development plan and expect lower LTV than improved properties.