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Azusa sits in the San Gabriel Valley — a corridor where investors have been flipping and holding for decades. Competition is real, and deals move fast.
Hard money loans are built for speed. When a distressed property hits the market, you need funding in days, not weeks.
6 – 24 Months
Typical Loan Term
25% – 35%
Down Payment / Equity
Asset-Based
Credit Focus
Non-QM
Loan Type
5 – 15 Business Days
Est. Close Time
Hard Money Loans in Azusa
Hard money lenders care about the property, not your W-2. The deal needs to make sense on paper — purchase price, ARV, and exit strategy.
Most lenders want 25-35% equity or down payment. Credit score matters less here, but a complete trainwreck of a file will still raise flags.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Azusa.
Azusa sits in the San Gabriel Valley — a corridor where investors have been flipping and holding for decades. Competition is real, and deals move fast.
Hard money loans are built for speed. When a distressed property hits the market, you need funding in days, not weeks.
Hard money lenders care about the property, not your W-2. The deal needs to make sense on paper — purchase price, ARV, and exit strategy.
Most banks won't touch hard money. You're working with private funds, family offices, and specialty non-QM lenders.
SRK CAPITAL has access to 200+ wholesale lenders, including hard money shops that know the LA County market. Rates and terms vary widely — shopping matters.
The biggest mistake investors make? Treating all hard money lenders the same. One lender charges 2 points and closes in 5 days. Another charges 4 points and stalls.
Know your numbers before you call anyone. ARV, repair budget, hold time, exit — have all four locked before you shop for a rate.
Bridge loans are close cousins to hard money — but they're typically used on stabilized properties, not deep rehabs. DSCR loans work better for buy-and-hold after a project stabilizes.
If you're flipping in Azusa, hard money fits the short timeline. If you're holding long-term, refinancing into a DSCR loan after closing is a common exit.
Azusa is in LA County, so you're dealing with higher acquisition costs and strong ARVs on renovated product. That combination can make hard money math work well.
The 210 freeway corridor gives Azusa strong rental and resale demand. Investors targeting Azusa often find the deal math tighter but exit velocity faster than inland markets.
Most hard money loans close in 5-15 business days. Speed depends on how clean your file is and how fast the property appraises.
Credit matters less than the deal. Lenders focus on the property's value and your exit strategy, not your FICO.
Most hard money loans run 6-24 months. They're built for short projects — not long-term holds.
Yes — that's the primary use case. Buy distressed, renovate, sell or refinance before the term expires.
Hard money is for value-add and rehab projects. Bridge loans typically cover stabilized properties needing short-term financing.
Yes. SRK CAPITAL shops hard money programs across 200+ wholesale lenders to find terms that fit your specific deal.