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Grass Valley attracts investors for a reason. Nevada County has older housing stock, distressed properties, and a steady stream of fix-and-flip opportunities.
Hard money fits this market. These are asset-based loans — the property value drives approval, not your tax returns.
7–14 Days
Typical Close Time
6–24 Months
Typical Loan Term
20–35%
Down Payment
Asset-Based
Credit Flexibility
Varies by Deal
Rate Type
Hard Money Loans in Grass Valley
Hard money lenders care most about the property. They'll look at current value and the after-repair value (ARV) of what you're buying.
Credit score matters less than conventional loans. Most lenders want to see skin in the game — expect to put 20–35% down.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Grass Valley.
Grass Valley attracts investors for a reason. Nevada County has older housing stock, distressed properties, and a steady stream of fix-and-flip opportunities.
Hard money fits this market. These are asset-based loans — the property value drives approval, not your tax returns.
Hard money lenders care most about the property. They'll look at current value and the after-repair value (ARV) of what you're buying.
Banks won't touch most Grass Valley investor deals. Hard money lenders will — and they can close in days, not months.
We work with 200+ wholesale lenders. That means real competition on rates and terms, not one take-it-or-leave-it offer.
The deals that work best here are properties priced under ARV with a clear renovation scope. Vague rehab budgets kill hard money approvals fast.
Get your contractor bids before you apply. Lenders want to see the numbers. A tight scope gets you funded. A loose one stalls everything.
Bridge loans are close cousins — both are short-term and asset-based. The difference is purpose. Bridge loans connect two properties. Hard money funds the buy-and-fix.
DSCR loans are better once a property is stabilized and generating rent. Hard money is the entry point. DSCR is the exit or hold strategy.
Grass Valley has older Victorian-era and mid-century homes. Many need significant work before they're financeable through conventional lending.
That's exactly the inventory hard money was built for. Distressed properties, deferred maintenance, estate sales — hard money closes what banks won't touch.
Most hard money loans close in 7–14 days. That speed is the main reason investors use them over bank financing.
Credit matters less than the deal itself. Lenders focus on property value and your down payment, not your credit history.
Most terms run 6–24 months. These are short-term loans — not meant to hold long-term.
Yes. That's the most common use case. Lenders fund the purchase and may advance draw funds for approved renovation work.
You either sell the property or refinance into a long-term loan. DSCR or conventional financing are common exit strategies.
Yes. Single-family, multi-unit, and mixed-use properties all qualify. The deal structure depends on the property's value and condition.