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Aliso Viejo sits in south Orange County — a tight, high-value market where deals move fast. Hard money fills the gap when speed matters more than rate.
Investors competing here can't wait 45 days for a conventional approval. Hard money closes in days, not weeks.
7–14 Days
Typical Close Time
Up to 70% ARV
Max LTV (ARV-Based)
600+ (varies)
Min Credit Score
6–24 Months
Loan Term
Usually None
Income Docs Required
Hard Money Loans in Aliso Viejo
Hard money lenders care about the property, not your tax returns. The deal has to make sense on paper — that's the core underwrite.
Most lenders want 30-35% equity or a strong after-repair value (ARV). Your credit score matters less here than your exit strategy.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Aliso Viejo.
Aliso Viejo sits in south Orange County — a tight, high-value market where deals move fast. Hard money fills the gap when speed matters more than rate.
Investors competing here can't wait 45 days for a conventional approval. Hard money closes in days, not weeks.
Hard money lenders care about the property, not your tax returns. The deal has to make sense on paper — that's the core underwrite.
Hard money is not a bank product. These loans come from private funds, family offices, and specialty lenders — each with different appetites.
We work with 200+ wholesale lenders, including hard money sources. Not every lender touches Aliso Viejo — we know which ones do.
The mistake most investors make is calling one hard money lender and taking their terms. Rates and fees vary wildly across private lenders.
We've seen origination points range from 1 to 4 on similar deals. Shopping matters here as much as on any conventional loan.
Bridge loans are the closest alternative — sometimes the terms overlap. Bridge is usually slightly cheaper but harder to qualify for.
DSCR loans work better for stabilized rentals. Hard money is for the acquisition and renovation phase before a property cash flows.
Orange County properties hold value well. That makes hard money lenders more comfortable lending here than in softer markets.
Aliso Viejo has a strong resale market — fix-and-flip exit strategies are realistic here. Lenders notice that when pricing your deal.
Most hard money loans close in 7-14 days. Some lenders move faster if the deal is clean and title is clear.
Not always. The property and your exit strategy carry more weight. Some lenders don't pull credit at all.
ARV stands for after-repair value — what the property is worth once renovated. Lenders base your loan amount on ARV, not purchase price.
Yes, but lender guidelines vary on condos and HOA properties. Some hard money lenders avoid condo projects entirely.
Rates vary by borrower profile and market conditions. Expect higher rates than conventional — the speed and flexibility carry a cost.
You either sell the property or refinance into a longer-term loan. Your exit plan must be clear before you close.