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Hard Money Loans in Rolling Hills
Rolling Hills properties command premium valuations that traditional lenders often can't move fast enough to capture. Hard money loans close in 7-14 days versus 30-45 for conventional financing.
Most Rolling Hills deals we fund involve estate acquisitions, major renovations, or trust-related transactions requiring speed over rate optimization. Equity matters more than credit score here.
We fund based on after-repair value (ARV) and your equity position. Expect 60-70% loan-to-value on Rolling Hills properties, with higher ratios for experienced investors with proven exit strategies.
Credit scores below 600 get approved regularly if the asset justifies it. We care about your renovation plan and timeline more than your W-2 income or past bankruptcies.
Our network includes 20+ hard money lenders who understand Palos Verdes Peninsula properties. Not all hard money is equal—some cap at $2M while others fund $10M+ estates.
Points and rates vary wildly. We've seen 9-12% rates with 2-4 points origination. Shopping this across lenders saves $15K-$40K on a typical Rolling Hills flip.
Rolling Hills investors typically use hard money as 6-12 month bridge financing. The play is buy quickly, renovate, then refi into DSCR or sell at higher value.
The mistake we see: underestimating permit timelines in Los Angeles County. Your 6-month flip becomes 10 months when city inspections lag. Build extension costs into your budget—most lenders charge 1-2 points to extend terms.
Bridge loans offer lower rates (7-9%) but require better credit and more documentation. DSCR loans work for rental holds but take 3-4 weeks to close—too slow for competitive offers.
Hard money costs more but wins deals. When you're competing against cash buyers in Rolling Hills, closing certainty matters more than saving 2% on rate for a 9-month hold.
Rolling Hills sits in an unincorporated area with specific building restrictions and equestrian zoning. Lenders fund based on comparable sales, which can be sparse given the small inventory.
Properties here often need specialized appraisers familiar with equestrian estates and view premiums. Factor 2-3 weeks for appraisal even with hard money—longer than typical urban markets.
Most lenders start at $150K, but Rolling Hills deals typically run $500K-$5M. Smaller loans often don't pencil given the appraisal and legal costs.
Raw land gets funded at 50% LTV maximum with clear development plans. Improved lots with utilities qualify for higher leverage.
We've closed in 7 days with clean title and appraisal. Realistic timeline is 10-14 days from application to funding.
Most lenders offer 6-month extensions at 1-2 points plus ongoing interest. Negotiate extension terms upfront before you sign.
Yes for renovation projects. Lenders want scope of work and budget to calculate ARV accurately before funding.
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.