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Fountain Valley sits in one of Orange County's most competitive submarkets. Investors here move fast — and hard money lets them compete without waiting on bank approvals.
Hard money is asset-based lending. The property value drives approval, not your tax returns. That's why fix-and-flip investors use it to close in days, not months.
7–14 Days
Typical Close Time
20–35%
Typical Down Payment
6–24 Months
Loan Term
Property Value
Credit Focus
Hard Money Loans in Fountain Valley
Hard money lenders focus on the deal, not the borrower's credit history. Most want to see a solid after-repair value (ARV) and a clear exit strategy.
Expect to put 20–35% down. Lenders are protecting their position — the lower your equity stake, the harder it is to get approved.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Fountain Valley.
Fountain Valley sits in one of Orange County's most competitive submarkets. Investors here move fast — and hard money lets them compete without waiting on bank approvals.
Hard money is asset-based lending. The property value drives approval, not your tax returns. That's why fix-and-flip investors use it to close in days, not months.
Hard money lenders focus on the deal, not the borrower's credit history. Most want to see a solid after-repair value (ARV) and a clear exit strategy.
Hard money lenders aren't banks. They're private funds and individuals who price risk quickly and move fast. Terms vary wildly between lenders.
At SRK CAPITAL, we work with 200+ wholesale lenders — including hard money sources that specialize in Orange County deals. We match your project to the right lender.
The biggest mistake investors make is treating all hard money lenders the same. Rates, points, and draw schedules differ significantly. One bad term can kill your profit margin.
As of April 2026, rehab projects in Orange County need tight budgets. Every point you pay upfront is money out of your flip profit. We negotiate lender fees on your behalf.
Bridge loans and hard money are close cousins. Bridge loans typically have cleaner terms and slightly lower rates — but they require more documentation.
DSCR loans work better for stabilized rentals. Hard money is the right tool when speed and flexibility matter more than rate.
Fountain Valley properties often appraise well due to strong school ratings and central OC location. That works in your favor when lenders calculate ARV.
Competition for distressed properties here is real. Investors who can close without financing contingencies win deals. Hard money removes that contingency.
Many hard money lenders close in 7–14 days. Your title work and appraisal are the main variables that affect timing.
Most hard money lenders don't have a strict minimum. The property's value and your equity position matter far more than your score.
Yes — that's the primary use case. Lenders fund acquisition and often fund rehab draws as work progresses.
Most hard money loans run 6–24 months. They're short-term by design — you refinance or sell before the term ends.
Hard money rates run significantly higher than conventional. Rates vary by borrower profile and market conditions — you're paying for speed and flexibility.
Many do, through a draw schedule tied to completed work. Not all lenders offer this — confirm rehab funding before you commit.