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Artesia sits in the heart of Southeast Los Angeles County. Investors here move fast — and hard money is built for that.
This is a dense, established market. Fix-and-flip buyers and landlords compete for limited inventory, and conventional financing is too slow.
5–10 Business Days
Typical Close Time
Up to 65–70%
Max LTV (of ARV)
Asset Over Score
Credit Focus
6–24 Months
Loan Term
Typically None
Income Docs Required
Hard Money Loans in Artesia
Hard money lenders care about the property's value, not your tax returns. Your credit score matters less than the deal itself.
Most lenders want 30-35% equity in the deal. Strong ARV (after-repair value) is what gets you approved.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Artesia.
Artesia sits in the heart of Southeast Los Angeles County. Investors here move fast — and hard money is built for that.
This is a dense, established market. Fix-and-flip buyers and landlords compete for limited inventory, and conventional financing is too slow.
Hard money lenders care about the property's value, not your tax returns. Your credit score matters less than the deal itself.
Hard money lenders are not banks. They are private capital sources — funds, family offices, and individual investors.
We work with 200+ wholesale lenders, including hard money sources that specialize in LA County deals. Rates vary by borrower profile and market conditions.
Most borrowers come to us after a bank said no. Hard money exists for exactly that situation.
In Artesia, multi-unit and mixed-use properties are common targets. Know your exit strategy before you close — refinance or sell.
DSCR loans are slower but cheaper long-term. Hard money wins on speed when you need to close in under two weeks.
Bridge loans are similar but often have stricter property requirements. Hard money is more flexible on condition and deal structure.
Artesia is landlocked with limited new construction. That pushes investors toward value-add plays on older homes.
Southeast LA County has strong rental demand. Investors use hard money to acquire and renovate, then hold or flip.
Many deals close in 5–10 business days. Your title, insurance, and property docs need to be ready upfront.
Most lenders go up to 65–70% of ARV. The stronger the deal, the more flexibility you get on terms.
Yes. Multi-unit properties are common in Artesia and most hard money lenders are comfortable with them.
Not necessarily. Lenders focus on the property and your equity stake. Bad credit doesn't automatically kill a deal.
You sell the property or refinance into a DSCR or conventional loan. Plan your exit before you borrow.
Yes. California hard money lenders must be licensed. We only work with properly licensed private lenders.