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Hard Money Loans in Los Angeles
What credit score do I need for a hard money loan in Los Angeles?
A minimum 660 representative credit score applies to investment properties. Hard money lenders care far less about credit than conventional lenders because the property's value and your equity secure the loan, not your credit profile.
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Los Angeles median home price sits at $1,150,000 as of September 2026. Properties move in roughly 48 days at $631 per square foot. Hard money financing works best for investors buying below market value and planning quick renovations.
Fix-and-flip deals in LA require speed over traditional underwriting. Hard money lenders fund based on the property's after-repair value and your equity position, not your credit profile or income. That's why the program closes in 14 to 21 days.
$1,150,000
Median home price
660
Minimum credit score
75%
Maximum LTV ratio
14-21 days
Closing window
$100K-$5M
Loan range
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Hard money loans for investment properties require a minimum 660 representative credit score and a maximum 75 percent loan-to-value ratio. Loan amounts range from $100,000 to $5,000,000 for properties with up to 4 units.
Reserve requirements depend on your loan-to-value. At 65 percent LTV or lower, you need 6 months of reserves. Above 65 percent LTV, plan for 12 months of reserves.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Los Angeles.
Los Angeles median home price sits at $1,150,000 as of September 2026. Properties move in roughly 48 days at $631 per square foot. Hard money financing works best for investors buying below market value and planning quick renovations.
Fix-and-flip deals in LA require speed over traditional underwriting. Hard money lenders fund based on the property's after-repair value and your equity position, not your credit profile or income. That's why the program closes in 14 to 21 days.
Hard money loans for investment properties require a minimum 660 representative credit score and a maximum 75 percent loan-to-value ratio. Loan amounts range from $100,000 to $5,000,000 for properties with up to 4 units.
Rate check
Tell us the price range, down payment and credit range you are working with. We compare every lender we work with and show you the options side by side.
03
Hard money lenders in California operate outside the traditional mortgage system. They price loans on the property's value and your equity stake, not on your debt-to-income ratio or employment verification.
SRK CAPITAL shops hard money deals across its wholesale lender network to find the best terms for your project. Underwriting focuses on the after-repair value, your down payment, and your track record as an investor. Closing happens in 14 to 21 days.
04
Hard money makes sense in Los Angeles when you've found a below-market deal that needs work. At $1,150,000 median price, a property bought below after-repair value with strong equity gives you the LTV room to close fast.
The trade-off is simple: speed and flexibility cost more upfront. Hard money works for investors who can execute a renovation and exit within 12 to 24 months.
05
Hard money versus conventional financing is a choice between speed and cost. Conventional loans require full employment verification, tax returns, and a meaningful down payment.
Hard money closes in 14 to 21 days and funds on the property's value, not your job. Conventional loans carry lower rates and points when you have strong credit and stable income.
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Los Angeles County's median household income of $87,760 supports the $1,150,000 median home price for owner-occupants. For investors, income is irrelevant—hard money lenders care about your equity and exit, not your W-2s.
Schools and employment remain important for the broader LA market. County officials placed LAUSD under heightened fiscal oversight due to budget concerns, and the Paramount-Skydance merger flagged roughly 2,495 local jobs at risk.
FAQ
A minimum 660 representative credit score applies to investment properties. Hard money lenders care far less about credit than conventional lenders because the property's value and your equity secure the loan, not your credit profile.
No. Hard money requires a maximum 75 percent loan-to-value ratio for investment properties. That means you must put down at least 25 percent of the property's value. The higher your equity, the better your terms.
SRK CAPITAL closes hard money loans in 14 to 21 days. Speed is the program's core advantage—underwriting focuses on the property and your equity, not employment verification or appraisal contingencies.
No. Hard money lenders fund based on the property's after-repair value and your down payment. Employment history and income documentation don't factor into qualification—your deal's equity and exit strategy do.
Hard money loans range from $100,000 to $5,000,000 for investment properties with up to 4 units. The actual amount depends on the property's value and your equity position.
Programs for first-time buyers that allow lower down payments and more forgiving credit and income rules.
Explore refinancing options to lower your rate, tap equity, or switch loan terms.
SRK CAPITAL in Los Angeles County
Our team of licensed mortgage brokers works Los Angeles County every week. Tell us where you are in the process and we will map out the loan, the timeline and the money you need at closing, with no obligation.
What working with us looks like
Licensed mortgage brokers
You talk with a broker, not a call center, from the first question to closing day.
17-21 day typical close
Most purchase loans close in 17-21 days once your paperwork is in.
Every county in California
We work across the state, including Los Angeles County, so local limits and rules are already familiar.
Financing solutions for rental properties, fix-and-flip projects, and real estate portfolios.
Mortgage programs with alternative income documentation for business owners and freelancers.
Federally insured or guaranteed programs (FHA, VA, USDA) that let lenders accept lower credit scores and smaller down payments.
Traditional mortgage options meeting standard lending guidelines with various term structures.
Alternative lending programs for borrowers who need flexible documentation or unique loan structures.
Side-by-side comparisons to help you choose the right mortgage program.
This page is for educational purposes only and does not constitute financial, legal, or tax advice. Mortgage rates, terms, and program availability can change and vary by borrower and property. Consult a licensed mortgage professional for guidance on your scenario.