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Chowchilla sits in Madera County's agricultural core. Investors here are picking up distressed properties, flipping rural homes, and repositioning undervalued parcels.
Hard money fills the gap when conventional financing moves too slow. Speed matters when a deal is on the table in a smaller market like this.
9% – 13%+
Typical Rate Range
65–70% of ARV
Max LTV
6 – 24 months
Loan Term
Flexible (600+)
Min Credit Score
Not required
Income Verification
Hard Money Loans in Chowchilla
Hard money lenders care about the property value, not your tax returns. The deal needs to make sense on paper — purchase price, ARV, and exit strategy.
Most lenders want 30-35% equity in the deal. Credit matters less, but a score below 600 can still affect your rate. Rates vary by borrower profile and market conditions.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Chowchilla.
Chowchilla sits in Madera County's agricultural core. Investors here are picking up distressed properties, flipping rural homes, and repositioning undervalued parcels.
Hard money fills the gap when conventional financing moves too slow. Speed matters when a deal is on the table in a smaller market like this.
Hard money lenders care about the property value, not your tax returns. The deal needs to make sense on paper — purchase price, ARV, and exit strategy.
Most retail banks won't touch hard money. You need a private lender or a broker with wholesale access to capital markets and private funds.
We work with 200+ wholesale lenders at SRK CAPITAL. That matters here — Chowchilla is a smaller market and not every lender will fund deals in rural Central Valley zip codes.
The biggest mistake investors make is underestimating rehab costs on rural properties. Lenders will order their own valuation. If your ARV estimate is off, the deal falls apart.
Get your scope of work nailed down before you apply. Lenders fund against a finished value — they want to see you've done this math already.
DSCR loans are better for stabilized rentals. Hard money is for the acquisition and rehab phase — once the property cashflows, you refinance out into DSCR.
Bridge loans are similar but usually require more qualifying. Hard money is looser on borrower criteria and faster to close. For Chowchilla fix-and-flips, hard money usually wins.
Madera County has agricultural and residential zoning that can complicate appraisals. Not every lender understands rural California property types — mixed-use rural lots trip up underwriting.
As of April 2026, Central Valley investor activity has been steady on lower price point properties. Chowchilla deals typically involve smaller loan sizes, so make sure your lender has no minimum floor that prices you out.
Most hard money deals close in 7-14 days. Rural markets may add a day or two for appraisal scheduling.
Credit matters less than the deal itself. Below 600 may affect your rate, but it won't automatically disqualify you.
Most terms run 6-24 months. These are short-term loans — you flip or refinance before the term ends.
Some lenders will fund rural residential. Pure agricultural land is harder — fewer lenders play in that space.
Most lenders cap at 65-70% of ARV. Bring equity to the table or the deal won't get funded.
You're on the hook for cost overruns. Hard money lenders won't increase your loan mid-project without a formal draw review.