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Hard Money Loans in Hidden Hills
Hidden Hills runs on equity, not W-2s. Most private lenders here fund deals based on the property's value, not your tax returns.
We see investors use hard money for tear-downs on large lots and quick closings when sellers won't wait for conventional approvals. Speed matters in this market.
You need skin in the game. Most Hidden Hills hard money deals require 25-40% down, depending on property condition and your exit plan.
Lenders want to see a clear exit strategy—refinance timeline, resale comps, or rental income projections. Credit matters less than equity and your track record.
We access 40+ private lenders who fund in Hidden Hills. Each has different risk appetites for property types and borrower experience levels.
Rates run 8-12% typically, with 1-3 points upfront. Terms usually span 6-24 months. Shop hard—half a point on a $2M loan is $10,000.
Hidden Hills investors often overpay for hard money by going direct to one lender. We compare rates across our network and save clients 1-2 points regularly.
The biggest mistake is underestimating renovation costs. Lenders reserve funds based on your budget—lowball it and you'll scramble for gap financing mid-project.
DSCR loans beat hard money for rental holds—lower rates and longer terms. Use hard money when you can't wait 30 days or the property needs major work.
Bridge loans overlap with hard money but typically offer better rates for borrowers with strong profiles. We'll compare both if your timeline allows 2-3 weeks for approval.
Hidden Hills properties often exceed standard loan limits, which pushes some investors toward hard money when they need fast funding on $3M+ estates.
Lot values here can justify loans even on tear-downs. Lenders understand the land value—we've closed deals on properties with condemned structures based on lot equity alone.
Most deals close in 7-14 days once we have appraisal and title work. Cash-out refinances on clear title can fund in 5 days with the right lender.
Expect 25-40% down depending on property condition and your experience. First-time investors usually need 35% minimum to get competitive rates.
Hard money works for investment properties and flips, not primary homes. For owner-occupied purchases, we'd look at bank statement or conventional loans instead.
Yes—distressed properties get lower LTV ratios. Lenders underwrite to after-repair value but limit initial funding based on current condition and your renovation budget.
Most lenders offer 6-12 month extensions for a fee. Build buffer time into your exit plan—rushing a sale costs more than an extension.
Mortgage financing for independent contractors and freelancers who earn 1099 income instead of traditional W-2 wages.
Mortgage programs that allow borrowers to qualify based on liquid assets rather than traditional employment income.
Non-QM loans that use 12 to 24 months of bank statements to verify income for self-employed borrowers.
Short-term financing that bridges the gap between buying a new property and selling an existing one.
Debt Service Coverage Ratio loans that qualify investors based on a rental property's income rather than personal income.
Mortgage programs designed for non-US citizens and non-permanent residents who want to purchase property in the United States.
Mortgages that allow borrowers to pay only the interest for an initial period, resulting in lower monthly payments upfront.
Financing solutions tailored for real estate investors purchasing rental properties, fix-and-flip projects, or investment portfolios.
Home loans for borrowers who have an Individual Taxpayer Identification Number instead of a Social Security number.
Adjustable rate mortgages held in a lender's portfolio rather than sold on the secondary market, offering more flexible terms.
Non-QM mortgages that use a CPA-prepared profit and loss statement to verify income for self-employed borrowers.
Home loans with interest rates that adjust periodically based on market conditions after an initial fixed-rate period.
Specialized mortgage programs designed to support homeownership in underserved communities with flexible qualification criteria.
Mortgages that meet the guidelines and loan limits set by Fannie Mae and Freddie Mac for secondary market purchase.
Financing for building a new home or making major renovations, typically converting to a permanent mortgage upon completion.
Traditional mortgage financing not backed by a government agency, offering flexible terms and competitive rates for qualified borrowers.
Innovative loan products that leverage projected home equity growth to provide favorable financing terms.
Government-insured mortgages from the Federal Housing Administration with low down payments and flexible credit requirements.
A revolving line of credit secured by your home equity that allows you to borrow funds as needed during a draw period.
A fixed-rate second mortgage that provides a lump sum of cash by borrowing against the equity built in your home.
Mortgages that exceed the conforming loan limits set by the FHFA, designed for financing high-value luxury properties.
Loans for homeowners aged 62 and older that convert home equity into cash without requiring monthly mortgage payments.
Government-backed zero down payment mortgages for eligible rural and suburban homebuyers who meet income limits.
Government-guaranteed mortgages for eligible veterans, active-duty service members, and surviving spouses with zero down payment.