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Madera sits in the heart of California's Central Valley. Investors here target undervalued properties, fix-and-flips, and rental conversions.
Hard money fills the gap when conventional financing moves too slow. Speed matters when you're competing for distressed deals.
6 – 24 months
Typical Loan Term
Up to 75%
Max LTV (of ARV)
Collateral-based
Credit Flexibility
Not required
Income Verification
5–10 business days
Closing Speed
Hard Money Loans in Madera
Hard money lenders care about the property, not your tax returns. The deal's collateral value is what gets you approved.
Most lenders want 30-40% equity in the deal. Your credit score matters less here than your exit strategy.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Madera.
Madera sits in the heart of California's Central Valley. Investors here target undervalued properties, fix-and-flips, and rental conversions.
Hard money fills the gap when conventional financing moves too slow. Speed matters when you're competing for distressed deals.
Hard money lenders care about the property, not your tax returns. The deal's collateral value is what gets you approved.
Traditional banks won't touch most fix-and-flip deals in Madera. Hard money lenders are built for exactly this.
We work with 200+ wholesale lenders, including hard money shops that know Central Valley property values cold.
The biggest mistake investors make is shopping rate first. Terms, draw schedules, and prepay penalties hit harder.
Rehab budgets in Madera can run lean. Get a realistic ARV — after-repair value — before you commit to a loan.
Bridge loans and hard money are close cousins. Bridge loans typically carry lower rates but stricter qualifications.
DSCR loans work better for stabilized rentals. Hard money is built for the acquisition and rehab phase.
Madera County has agricultural roots and a mixed housing stock. Older homes often need significant rehab work.
Hard money is well-suited here. Many properties need updates before they qualify for conventional financing.
Many hard money lenders close in 5-10 business days. Having your property details and exit strategy ready speeds this up.
Credit matters less than the deal itself. Lenders focus on collateral value and your plan to repay or refinance.
Most residential and small commercial properties qualify. Severely distressed properties may require a larger down payment.
Terms typically run 6 to 24 months. These are short-term loans — you need a clear exit before you close.
Yes, but plan to refinance into a DSCR or conventional loan after stabilization. Hard money rates are too high long-term.
Most lenders cap at 65-75% of ARV. Your rehab budget and property condition affect where lenders land.