Loading
Loading
Ross is one of Marin County's most exclusive enclaves. Properties here move fast and carry serious price tags.
Hard money loans — asset-based, short-term financing — give investors the speed to compete. Traditional lenders can't match that.
7-14 Days
Typical Close Time
30-40%
Down Payment
6-24 Months
Loan Term
Usually None
Income Docs Required
Low
Credit Emphasis
Hard Money Loans in Ross
Hard money lenders care about the property, not your tax returns. The deal's value is the collateral.
Most lenders want 30-40% equity or down payment on Ross deals. Strong exit strategy matters as much as the asset.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Ross.
Ross is one of Marin County's most exclusive enclaves. Properties here move fast and carry serious price tags.
Hard money loans — asset-based, short-term financing — give investors the speed to compete. Traditional lenders can't match that.
Hard money lenders care about the property, not your tax returns. The deal's value is the collateral.
Hard money is a private lending world. Terms vary wildly between lenders. Rates vary by borrower profile and market conditions.
At SRK CAPITAL, we work with 200+ wholesale lenders. That includes private and hard money sources who know Marin County assets.
Ross deals rarely wait. Sellers in this market expect clean, fast offers. Hard money closes in days, not weeks.
The biggest mistake investors make here: underestimating renovation costs on older Marin estates. Lenders see through thin budgets fast.
Bridge loans overlap with hard money but often carry slightly lower rates. They suit investors with stronger credit profiles.
DSCR loans are the natural exit from a hard money position. Once the property cash flows, DSCR replaces short-term debt.
Ross sits in a high-value, low-inventory pocket of Marin. Hard money makes sense here because deals are competitive and time-sensitive.
Marin County's strict zoning and permit timelines affect renovation schedules. Build that into your hard money loan term — usually 12 months.
Most hard money lenders close in 7-14 days. That speed is the main reason investors use them in competitive Marin markets.
Credit matters less than the deal itself. Lenders focus on the asset's value and your exit strategy.
Hard money loans typically run 6-24 months. Rates vary by borrower profile and market conditions — always shop multiple lenders.
Yes. Fix-and-flip is the most common use case. Just make sure your renovation scope and timeline are realistic for Marin permitting.
Most investors refinance into a DSCR or conventional loan. Having that exit plan before you close is essential.
Expect 30-40% down on Ross properties. High-value assets mean lenders want substantial borrower equity in the deal.