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Anaheim moves fast. Fix-and-flip investors and landlords can't wait 45 days for a bank to close.
Hard money fills that gap. These are asset-based loans — the property secures the deal, not your tax returns.
7–14 Days
Typical Close Time
6–24 Months
Typical Loan Term
25–35% Typical
Down Payment
Deal-First Underwrite
Credit Flexibility
Varies by Deal Risk
Rate Type
Hard Money Loans in Anaheim
Lenders focus on the deal first. They want to see the purchase price, after-repair value (ARV), and your exit strategy.
Most hard money lenders require 25-35% down. Credit matters less, but a history of completed deals helps your case.
Hard money isn't a bank product. These loans come from private lenders, funds, and specialty non-QM shops.
At SRK CAPITAL, we work with 200+ wholesale lenders — including hard money sources who know Orange County deals.
The biggest mistake investors make: they call a hard money lender without knowing their ARV. Have comps ready.
Lenders also want to see your plan. First-time flippers pay higher rates. Experienced investors with a track record get better terms.
If you need longer-term financing after a rehab, DSCR loans are the natural next step. They qualify on rental income, not yours.
Bridge loans serve a similar speed purpose but sometimes carry lower rates for stronger borrowers. We can show you both side by side.
Anaheim has a mix of older housing stock near the stadium and newer builds toward Anaheim Hills. Older areas create more flip opportunities.
Proximity to Disneyland and the Anaheim Convention Center keeps short-term rental demand alive. That can affect your exit strategy.
Many hard money lenders close in 7-14 days. Speed depends on how quickly title clears and appraisal is completed.
Most hard money loans run 6-24 months. They are short-term by design — you sell or refinance before the term ends.
Credit is reviewed but not the deciding factor. Lenders focus on the property value and your plan to repay.
Yes, and that's a common use case. You need proof of funds or a lender letter before bidding.
Hard money is short-term for acquisitions and rehabs. DSCR loans are longer-term and qualify based on rental income.
Yes. Many lenders will fund 1-4 unit and small multifamily deals. Larger properties may require a commercial hard money lender.