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Brea sits in North Orange County with a tight housing stock. Investors compete hard for fix-and-flip and value-add deals here.
Hard money fills the gap when speed matters. Conventional financing can't close in 7-10 days — hard money can.
7–14 Days
Typical Close Time
Up to 75%
Max LTV (of ARV)
580+ (deal-dependent)
Min Credit Score
6–24 Months
Loan Term
Usually None
Income Docs Required
Hard Money Loans in Brea
Hard money lenders care about the property, not your W-2. The deal's after-repair value (ARV) is what gets you approved.
Most lenders want 25-35% equity or a solid down payment. Credit still matters, but a 580 won't kill the deal if the numbers work.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Brea.
Brea sits in North Orange County with a tight housing stock. Investors compete hard for fix-and-flip and value-add deals here.
Hard money fills the gap when speed matters. Conventional financing can't close in 7-10 days — hard money can.
Hard money lenders care about the property, not your W-2. The deal's after-repair value (ARV) is what gets you approved.
Hard money lenders vary wildly on rates, fees, and draw schedules. A lender quoting low rates may crush you with points and slow draws.
At SRK CAPITAL, we access 200+ wholesale lenders. We match your deal type — flip, buy-and-hold, or land — to the right capital source.
The deals that fall apart aren't about rates. They're about underestimated rehab budgets or inflated ARV assumptions.
Get your scope of work tight before you apply. Lenders in this market have seen too many deals go sideways on bad contractor bids.
Bridge loans and hard money are close cousins. Bridge loans typically carry lower rates but need more equity and take longer to close.
DSCR loans are better for stabilized rentals. Hard money is for the acquisition and rehab phase — then you refinance out into DSCR.
Brea's older housing stock creates real fix-and-flip opportunity. Properties needing cosmetic or full rehab come to market regularly.
Orange County permit timelines can slow renovation projects. Factor city approval windows into your loan term before you commit.
Many hard money loans close in 7-14 days. That speed depends on clear title and a complete borrower file submitted upfront.
Most lenders go up to 65-75% of ARV. The cleaner your scope of work, the more flexibility you get on proceeds.
Yes, for acquisition and rehab. Once the property is leased and stabilized, you'd typically refinance into a DSCR loan.
They do, but it's not the deciding factor. A strong deal with real equity can overcome a lower credit score.
Most run 6-24 months. They're designed as short-term bridge capital, not long-term financing.
Rates depend heavily on the deal, lender, and borrower profile. Rates vary by borrower profile and market conditions.