Question 1

How fast can I close a hard money loan in Gardena?

Accepted Answer

Most deals close in 7-14 days once the property appraises. Cash-out refinances on properties you already own can fund in 5-7 days.

Question 2

Do hard money lenders check credit for Gardena properties?

Accepted Answer

Most don't pull credit or verify income. They care about property value, your down payment, and your exit plan.

Question 3

What's the maximum loan-to-value on Gardena fix-and-flips?

Accepted Answer

Lenders typically cap at 65-75% of after-repair value. Your down payment covers the gap between purchase price and loan amount.

Question 4

Can I use hard money for a Gardena rental property?

Accepted Answer

Yes, but only as bridge financing. You'll need to refinance into a DSCR loan or conventional loan within 6-24 months.

Question 5

What happens if my Gardena rehab takes longer than expected?

Accepted Answer

Most lenders offer 6-month extensions for 1-2 points. Build extension costs into your initial budget to avoid scrambling later.

Hard Money Loans in Gardena: Fast Capital for Real Estate Investors