Question 1

How fast can a hard money loan close in Calistoga?

Accepted Answer

Many hard money deals close in 7–14 days. Speed depends on appraisal turnaround and how clean your title is.

Question 2

Do I need good credit to get hard money in Napa County?

Accepted Answer

Credit is reviewed but rarely the deciding factor. The property value and your exit strategy carry more weight.

Question 3

Can I use hard money to buy a short-term rental in Calistoga?

Accepted Answer

Yes. Many investors use hard money to acquire, then refinance into a DSCR loan once the property stabilizes.

Question 4

What's a typical hard money loan term in California?

Accepted Answer

Most hard money loans run 6–24 months. They're short-term by design — not a permanent financing solution.

Question 5

Why use a broker for hard money instead of going direct?

Accepted Answer

Direct lenders offer one set of terms. A broker shops across dozens of private lenders to find better rates and terms.

Hard Money Loans in Calistoga, CA