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Dos Palos sits in Merced County's agricultural core. Properties here move differently than coastal markets — and that creates real opportunity for investors.
Hard money loans are asset-based. The deal gets funded on the property's value, not your tax returns or pay stubs.
7–14 Days
Typical Close Time
65–75% of ARV
Max Loan-to-ARV
Asset-Based
Credit Focus
Minimal to None
Income Docs Required
Hard Money Loans in Dos Palos
Lenders focus on the property's after-repair value (ARV). That's the estimated value after renovations are complete.
Most hard money lenders want 25-35% equity in the deal. Your credit score matters less — but severe recent derogatory marks can still slow things down.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Dos Palos.
Dos Palos sits in Merced County's agricultural core. Properties here move differently than coastal markets — and that creates real opportunity for investors.
Hard money loans are asset-based. The deal gets funded on the property's value, not your tax returns or pay stubs.
Lenders focus on the property's after-repair value (ARV). That's the estimated value after renovations are complete.
Most banks won't touch short-term fix-and-flip deals in rural Central Valley towns. Hard money fills that gap directly.
At SRK CAPITAL, we work with 200+ wholesale lenders. We find the ones actively lending in Merced County right now.
Hard money rates run higher than conventional loans. You're paying for speed and flexibility — not long-term hold financing.
Use hard money to close fast and stabilize the asset. Then refinance into a DSCR loan once the property has income history.
Bridge loans cover gaps between transactions. DSCR loans underwrite on rental income. Hard money focuses purely on asset value.
If you need to close in days and the property needs work, hard money is often the only product that actually fits.
Dos Palos properties are often priced well below statewide averages. That lower acquisition cost can make flip margins work.
Agricultural and rural properties can be harder to appraise. Your hard money lender needs experience in this type of market.
Many hard money deals close in 7-14 days. Speed depends on the lender and how quickly appraisal is completed.
Credit matters less than the property's value and your equity position. Most lenders focus on the deal, not your score.
Single-family, multi-family, and mixed-use properties typically qualify. Raw land is usually excluded.
ARV is after-repair value — what the property is worth fully renovated. Lenders use it to set your maximum loan amount.
Yes, but hard money is short-term. Plan to refinance into a DSCR loan once the property is stabilized and rented.
Most lenders cap at 65-75% of ARV. Your specific loan amount depends on the deal and the lender's guidelines. Rates vary by borrower profile and market conditions.