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Napa's wine country real estate moves fast. Investors who need to close quickly can't wait 45 days for a conventional loan.
Hard money fills that gap. It's asset-based lending — the property value drives approval, not your tax returns.
6–24 Months
Typical Loan Term
30–40%
Equity Required
Property Value
Approval Basis
7–14 Days
Typical Close Time
Hard Money Loans in Napa
Hard money lenders care most about the property. Your credit score matters less than the deal's numbers.
Most lenders want 30–40% equity in the deal. Expect higher rates and short terms — typically 6 to 24 months. Rates vary by borrower profile and market conditions.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Napa.
Napa's wine country real estate moves fast. Investors who need to close quickly can't wait 45 days for a conventional loan.
Hard money fills that gap. It's asset-based lending — the property value drives approval, not your tax returns.
Hard money lenders care most about the property. Your credit score matters less than the deal's numbers.
Most banks won't touch hard money. You're working with private lenders and specialty funds — not retail branches.
We work with 200+ wholesale lenders, including private capital sources that fund Napa-area investment deals regularly.
The biggest mistake investors make: they shop hard money by rate alone. Fees, points, and prepayment terms can cost more than a half-point rate difference.
Know your exit strategy before you close. Are you flipping or refinancing into a DSCR loan? That answer changes which hard money product makes sense.
Bridge loans are the close cousin to hard money — similar speed, sometimes softer terms. DSCR loans are better for hold-and-rent plays after rehab.
Hard money wins on speed and flexibility. It loses on cost. Use it to acquire and renovate, then refinance out fast.
Napa properties often carry premium valuations tied to wine country demand. That works in your favor on ARV calculations.
Renovation projects here can face stricter permitting. Factor that into your timeline — hard money costs you every month you hold.
Many deals close in 7 to 14 days. Speed depends on the lender and how clean your deal package is.
Credit matters less than collateral. Lenders focus on the property's value and your equity position.
Most run 12 months, with options up to 24 months. These are short-term loans — plan your exit before you close.
Some private lenders will consider it. Rural or agricultural use adds complexity — lender appetite varies.
You'll need a loan extension, which costs money. Build buffer into your timeline before you borrow.
Most investors refi into a DSCR or conventional investment loan after stabilizing the property. We help structure that path upfront.