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Los Banos sits in Merced County's Central Valley — a market built on agriculture, steady rental demand, and lower entry prices than coastal California.
That combination attracts fix-and-flip investors and buy-and-hold operators. Hard money fits that activity well.
~600
Min Credit Score
65–70% LTV
Max Loan-to-Value
6–24 months
Typical Loan Term
7–14 days
Est. Close Time
Asset value
Approval Basis
Hard Money Loans in Los Banos
Hard money lenders care about the asset, not your tax returns. The property's value and your exit strategy drive approval.
Most lenders want 30-35% equity — either as a down payment or existing equity in a refi. Credit still matters, but 600+ usually works.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Los Banos.
Los Banos sits in Merced County's Central Valley — a market built on agriculture, steady rental demand, and lower entry prices than coastal California.
That combination attracts fix-and-flip investors and buy-and-hold operators. Hard money fits that activity well.
Hard money lenders care about the asset, not your tax returns. The property's value and your exit strategy drive approval.
Hard money lenders for Central Valley deals range from private funds to regional operators. Not every lender knows rural California pricing.
At SRK CAPITAL, we have 200+ wholesale lenders. We match your deal to lenders who actually fund in Merced County.
Hard money terms vary wildly. Rates, points, prepayment penalties, and draw schedules differ lender to lender.
The cheapest rate isn't always the best deal. A lender who understands Los Banos values will fund faster and cause fewer headaches.
Bridge loans and DSCR loans solve different problems. Bridge covers the gap between purchase and permanent financing. DSCR qualifies you on rental income.
Hard money is fastest for acquisitions and rehabs. Once stabilized, most investors refinance into a DSCR loan to lock in long-term rates.
Los Banos has a mix of single-family rentals, small multifamily, and agricultural parcels. Hard money lenders vary on how they handle ag-zoned land.
Confirm your lender funds the property type before committing. Residential-zoned deals in Los Banos are the smoothest path to approval.
Hard money can close in 7-14 days when the property and paperwork are ready. Appraisal turnaround in Merced County affects timing.
Residential SFR and small multifamily are easiest. Ag-zoned or mixed-use parcels require lenders with rural California experience.
Credit matters less here than with conventional loans. Most hard money lenders work with scores around 600 if the deal is strong.
Most hard money loans run 6-24 months. They are short-term by design — plan your exit before you close.
Yes — fix-and-flip is the most common hard money use case. Lenders will want your ARV estimate and a realistic rehab budget.
Most investors sell or refinance into a DSCR loan. Have that plan in place on day one — lenders will ask.