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Dana Point is coastal Orange County — prices are high and deals move fast. Hard money is built for exactly this environment.
When a fix-and-flip or distressed property hits the market here, you need funding in days, not weeks. Hard money delivers that speed.
9% – 13%+
Typical Rate Range
7 – 14 Days
Average Close Time
Up to 75%
Max LTV
None
Income Docs Required
6 – 18 Months
Loan Term
Hard Money Loans in Dana Point
Hard money lenders care about the property, not your tax returns. The deal has to make sense — that's the underwrite.
Most lenders want 30-35% equity or down payment on Dana Point properties. Your exit strategy matters as much as your credit score.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Dana Point.
Dana Point is coastal Orange County — prices are high and deals move fast. Hard money is built for exactly this environment.
When a fix-and-flip or distressed property hits the market here, you need funding in days, not weeks. Hard money delivers that speed.
Hard money lenders care about the property, not your tax returns. The deal has to make sense — that's the underwrite.
Hard money lenders are not all the same. Rates, points, and loan-to-value limits vary wildly across the 200+ wholesale sources we work with.
Some lenders cap at 65% LTV. Others go to 75% on strong coastal deals. Shopping lenders is how you avoid overpaying on points.
The deals we see fall apart when borrowers underestimate rehab costs. Dana Point properties need accurate ARV — after-repair value — projections.
Get a contractor bid before you apply. Lenders here will scrutinize your renovation budget against local comps. Vague numbers kill deals.
DSCR loans are slower but cheaper long-term. If you're holding a rental in Dana Point, DSCR is the better fit after stabilization.
Bridge loans are a close cousin — better for properties that don't need heavy rehab. Hard money is the right tool for distressed acquisitions.
Dana Point's coastal zoning and HOA rules can complicate renovation timelines. Factor permit delays into your loan term before you close.
Properties near the harbor carry strong resale demand. That supports ARV — but lenders still want conservative valuations on coastal assets.
Many hard money loans close in 7-14 days. Speed depends on how quickly the appraisal and title work get done.
Most lenders cap at 65-75% LTV on coastal Orange County deals. Strong ARV and a clean exit strategy can help you reach the higher end.
They do a basic check, but it rarely kills the deal. The property value and your plan matter far more than your credit profile.
Most terms run 6 to 12 months. Some lenders offer 18-month terms for larger rehab projects with clear timelines.
You can often request an extension, but it costs you. Extensions typically mean added fees and sometimes a rate adjustment.
Yes, and it's one of the best use cases. Confirm your lender can fund fast — auction timelines are tight and non-negotiable.