Question 1

How fast can a hard money loan close in Brea?

Accepted Answer

Many hard money loans close in 7-14 days. That speed depends on clear title and a complete borrower file submitted upfront.

Question 2

What loan-to-value do hard money lenders allow?

Accepted Answer

Most lenders go up to 65-75% of ARV. The cleaner your scope of work, the more flexibility you get on proceeds.

Question 3

Can I use hard money for a Brea rental property?

Accepted Answer

Yes, for acquisition and rehab. Once the property is leased and stabilized, you'd typically refinance into a DSCR loan.

Question 4

Do hard money lenders check my credit score?

Accepted Answer

They do, but it's not the deciding factor. A strong deal with real equity can overcome a lower credit score.

Question 5

How long are hard money loan terms?

Accepted Answer

Most run 6-24 months. They're designed as short-term bridge capital, not long-term financing.

Question 6

What are typical hard money rates in Orange County?

Accepted Answer

Rates depend heavily on the deal, lender, and borrower profile. Rates vary by borrower profile and market conditions.

Hard Money Loans in Brea, CA — Fast Capital for Investors