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Arcadia sits in the San Gabriel Valley, one of LA County's most active investor markets. Properties move fast here, and conventional financing rarely keeps up.
Hard money loans are asset-based. The lender cares about the property's value, not your tax returns. That's why investors use them to win deals.
6–24 months
Typical Loan Term
65–75% of value
Max LTV (typical)
~600–620
Min Credit Score
5–10 business days
Avg Close Time
Usually none
Income Docs Required
Hard Money Loans in Arcadia
Most hard money lenders want 25–35% equity or down payment. Your credit score matters less than the deal itself.
Lenders will order an appraisal or BPO — broker price opinion — to confirm value. The loan amount is based on that number, not the purchase price.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Arcadia.
Arcadia sits in the San Gabriel Valley, one of LA County's most active investor markets. Properties move fast here, and conventional financing rarely keeps up.
Hard money loans are asset-based. The lender cares about the property's value, not your tax returns. That's why investors use them to win deals.
Most hard money lenders want 25–35% equity or down payment. Your credit score matters less than the deal itself.
Hard money is a fragmented market. Rates and terms swing wildly between lenders. One shop might charge 10%, another 13% for the same deal.
SRK CAPITAL works with 200+ wholesale lenders, including hard money specialists active in LA County. We know which ones move fast and which ones stall.
The biggest mistake investors make: waiting too long to line up financing. In Arcadia, a seller won't wait a week for you to shop lenders.
Get pre-approved before you make an offer. Know your max loan amount, your rate range, and your exit strategy. Lenders will ask about all three.
Bridge loans and hard money are close cousins. Bridge loans often have lower rates but stricter credit requirements. Hard money moves faster with fewer conditions.
DSCR loans — debt service coverage ratio loans — are better for stabilized rentals. Hard money is for acquisition and renovation, not long-term holds.
Arcadia has a strong luxury and mid-market resale environment. Investors doing high-end flips here need lenders comfortable with larger loan amounts.
LA County permit timelines can stretch a rehab project. Build buffer into your loan term. A 12-month loan on a complex renovation is cutting it close.
Most hard money lenders close in 5–10 business days. Some can move faster if the appraisal is waived or a desktop valuation is accepted.
Most lend up to 65–75% of the property's current or after-repair value. Higher ARV projects may qualify for rehab funds on top of the purchase amount.
Not necessarily. Many hard money lenders set a minimum around 600–620, but the property and deal structure carry more weight than your credit score.
Yes. Many hard money loans include a rehab draw schedule. Funds are released in stages as work is completed and inspected.
Rates typically run higher than conventional loans. Rates vary by borrower profile and market conditions — expect points and fees on top of the rate.
Most investors refinance into a DSCR loan or conventional mortgage once the property is stabilized. Plan your exit before the loan term ends.