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Fairfax is a small Marin County town with older housing stock. That creates real opportunity for investors who can move fast and renovate.
Hard money loans are built for speed. You can close in days, not months — which matters when a deal surfaces in a competitive market.
5–10 Business Days
Typical Close Time
Up to 65–70%
Max LTV (ARV)
Deal Over Score
Credit Focus
6–24 Months
Loan Term
Distressed OK
Property Condition
Hard Money Loans in Fairfax
Lenders care about the property value, not your W-2. Your credit score and income take a back seat to the deal itself.
Expect to bring 25-35% down. Hard money lenders lend on after-repair value, so the numbers on the deal must pencil.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Fairfax.
Fairfax is a small Marin County town with older housing stock. That creates real opportunity for investors who can move fast and renovate.
Hard money loans are built for speed. You can close in days, not months — which matters when a deal surfaces in a competitive market.
Lenders care about the property value, not your W-2. Your credit score and income take a back seat to the deal itself.
Most banks won't touch hard money. These loans come from private lenders and funds — each with different rates, fees, and LTV limits.
We work with 200+ wholesale lenders, including private capital sources. Fairfax deals are fundable — you just need the right lender match.
The biggest mistake investors make: they shop rate first. On a 6-month fix-and-flip, a 1% rate difference is far less costly than a slow close.
In Marin County, time kills deals. Get your proof of funds and scope of work ready before you write an offer — not after.
Bridge loans and hard money overlap, but hard money lenders are more flexible on distressed properties. Banks won't lend on a gut rehab.
DSCR loans are better for stabilized rentals. Hard money is for the acquisition and rehab phase — you refinance out once the work is done.
Fairfax has tight zoning and an active planning process. Factor permit timelines into your rehab schedule — delays extend your loan term.
Marin County resale values are strong. A well-executed renovation can support a clean exit or a cash-out refinance into a long-term hold.
Many hard money lenders can fund in 5-10 business days. Having your property docs and scope of work ready speeds things up.
Single-family, multi-unit, and mixed-use properties all qualify. Distressed or uninhabitable properties are fine — that's the point.
No. Lenders focus on the deal and the collateral. A strong property and solid exit strategy matter far more than your credit score.
Most run 6 to 12 months. Some lenders offer 18-24 month terms for larger rehabs or new construction projects.
Yes. Hard money covers acquisition and rehab costs in one loan. Your exit is typically a sale or a refinance into permanent financing.