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Hanford sits in Kings County's Central Valley, where investors find affordable entry points compared to coastal California markets.
Fix-and-flip and buy-and-hold deals both show up here. Hard money gives investors the speed to compete without waiting on bank timelines.
7–14 Days
Typical Close Time
65–75% of ARV
Typical LTV Max
~600 (flexible)
Min Credit Score
12–24 Months
Loan Term
None
Income Docs Required
Hard Money Loans in Hanford
Hard money lenders care about the property, not your tax returns. Your credit score matters less than the deal's numbers.
Most lenders want 25–35% equity or down payment. The property's after-repair value (ARV) determines how much you can borrow.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Hanford.
Hanford sits in Kings County's Central Valley, where investors find affordable entry points compared to coastal California markets.
Fix-and-flip and buy-and-hold deals both show up here. Hard money gives investors the speed to compete without waiting on bank timelines.
Hard money lenders care about the property, not your tax returns. Your credit score matters less than the deal's numbers.
Traditional banks won't touch most investor deals in Hanford at the speed investors need. Hard money fills that gap.
We work with 200+ wholesale lenders, including private capital sources that fund in Kings County regularly. Rates vary by borrower profile and market conditions.
The deals that get funded fast have one thing in common: a clean exit strategy. Know whether you're flipping, refinancing into a DSCR loan, or holding.
Lenders on these deals want to see your plan, not just the property. Have your contractor bids and ARV comps ready before you call.
Bridge loans are close cousins to hard money — better for stabilized properties, harder money is better for heavy rehab.
DSCR loans are cheaper long-term but take 30–45 days to close. Hard money gets you in. DSCR gets you out. They work together.
Hanford's Central Valley location means lower acquisition costs than the Bay Area or LA. That helps your loan-to-cost ratios look better to lenders.
Kings County has agricultural roots, so investor activity is lower-volume. Build lender relationships early — deals here move on relationships.
Many hard money deals close in 7–14 days. The property condition and title work are usually the bottleneck, not the lender.
No. Hard money underwriting focuses on the property and your exit plan. Most lenders set a floor around 600, some lower.
Most hard money loans run 12 months. Some lenders offer 18–24 month terms for larger rehab projects.
Yes, but plan your exit. You'd typically refinance into a DSCR loan once the property is stabilized and leased.
Most lenders require 25–35% down. The exact amount depends on the property's ARV and your experience as an investor.
Yes, significantly. Hard money trades cost for speed and flexibility. Rates vary by borrower profile and market conditions.