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Buena Park sits in a dense Orange County corridor with strong investor activity. Fix-and-flip and buy-and-hold deals move fast 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
65-70% LTV
Max Loan-to-Value
6-24 Months
Loan Term
Property Value & ARV
Lender Focus
1-4% Typical
Origination Points
Hard Money Loans in Buena Park
Hard money lenders care about the property value, not your tax returns. The asset secures the loan — your income profile is secondary.
Most lenders want 30-35% equity or a strong after-repair value (ARV). ARV is the estimated value after renovations are complete.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Buena Park.
Buena Park sits in a dense Orange County corridor with strong investor activity. Fix-and-flip and buy-and-hold deals move fast 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 value, not your tax returns. The asset secures the loan — your income profile is secondary.
Hard money lenders are private capital sources — not banks. Terms vary wildly between lenders. Rate, points, and draw schedules all need scrutiny.
A broker with access to multiple private lenders can shop the deal. One lender's pass is another lender's approval.
The biggest mistake investors make: waiting too long to line up financing. Hard money moves fast, but you still need a lender engaged before you're in contract.
Bring your scope of work and purchase price upfront. Lenders want to see the numbers pencil out before they commit.
Bridge loans and hard money overlap, but bridge loans typically go to stabilized assets. Hard money is better suited for heavy rehab or distressed property.
DSCR loans are the long-term play after rehab is done. Hard money gets you in. DSCR gets you out and holding.
Buena Park has older housing stock — 1950s and 1960s builds are common. That creates real rehab opportunity for investors who know what they're buying.
Orange County title and escrow companies are familiar with hard money transactions. Closings here don't stall over lender type.
Many hard money lenders close in 7-14 days. Speed depends on how quickly you provide the property details and scope of work.
Not necessarily. Lenders focus on the property value and your exit strategy. Credit still gets reviewed, but it rarely kills a deal alone.
Most hard money loans run 6-24 months. These are short-term tools — not long-term financing. Plan your exit before you close.
Yes, but plan to refinance into a DSCR loan once the property is stabilized. Hard money rates make long-term holds expensive.
After-repair value (ARV), purchase price, and your rehab budget. They want to know the deal makes sense before the equity does.
Typically 1-4 points upfront, depending on deal risk and loan size. Rates vary by borrower profile and market conditions.