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Belvedere is one of the most expensive zip codes in Marin County. Properties here move fast and rarely need a second showing.
Hard money fits this market well. Speed and certainty close deals that conventional financing can't.
7–14 Days
Typical Close Time
65–70% LTV
Max Loan-to-Value
12–24 Months
Loan Term
Asset-Based
Credit Flexibility
Minimal
Income Docs Required
Hard Money Loans in Belvedere
Hard money lenders underwrite the property, not the borrower. Your credit score matters far less than the deal's equity.
Most lenders want 30-35% equity in the deal. Strong collateral in Belvedere gives you real negotiating leverage.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Belvedere.
Belvedere is one of the most expensive zip codes in Marin County. Properties here move fast and rarely need a second showing.
Hard money fits this market well. Speed and certainty close deals that conventional financing can't.
Hard money lenders underwrite the property, not the borrower. Your credit score matters far less than the deal's equity.
Hard money isn't offered at your local bank. These loans come from private lenders, funds, and specialty wholesale shops.
We work with 200+ wholesale lenders, including hard money sources that know Marin County collateral. That matters at this price point.
The biggest mistake investors make here is treating all hard money lenders the same. Rates, fees, and draw schedules vary sharply.
On a Belvedere rehab, a bad draw schedule can stall your project mid-renovation. Get that term nailed down before you sign.
Bridge loans look similar but serve different purposes. Hard money funds quickly with minimal docs. Bridge loans often require more underwriting.
DSCR loans are better for stabilized rentals. Hard money is built for acquisition speed and short hold periods — typically 12-24 months.
Belvedere sits on a small island in the Marin County lagoon. That geography limits supply and keeps values concentrated at the top.
Renovation projects here require careful contractor scheduling. Permitting in Belvedere can run long — factor that into your loan term.
Most hard money loans close in 7-14 days. The property appraisal and title work are the main timeline drivers.
Credit is reviewed but rarely disqualifying. The property's value and your equity position carry the most weight.
Most hard money loans run 12-24 months. Factor in Belvedere's permitting timeline when choosing your term.
Yes, and it's one of the best use cases. Hard money's speed gives you the certainty most auction sellers require.
Extensions are possible but come with fees. Build your exit timeline conservatively from the start.
Lenders base it on the property's current or after-repair value. Most cap at 65-70% loan-to-value at this price point.