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Huntington Beach moves fast. Investors who wait for bank approval lose deals to cash buyers every time.
Hard money fills that gap. Asset-based lending means your property drives the decision, not your tax returns.
6 – 24 Months
Typical Loan Term
60% – 70%
Max LTV (of ARV)
Asset-Based
Credit Flexibility
Typically None
Income Docs Required
5 – 10 Business Days
Estimated Close Time
Hard Money Loans in Huntington Beach
Hard money lenders focus on the asset. Your credit score matters less than the deal's numbers.
Most lenders want 30-40% equity or a solid down payment. The property has to pencil out on its own merits.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Huntington Beach.
Huntington Beach moves fast. Investors who wait for bank approval lose deals to cash buyers every time.
Hard money fills that gap. Asset-based lending means your property drives the decision, not your tax returns.
Hard money lenders focus on the asset. Your credit score matters less than the deal's numbers.
Most banks won't touch a distressed property. Hard money lenders are built for exactly that scenario.
We work with 200+ wholesale lenders. That means we find the right rate and terms for your specific deal.
The investors who win in Orange County plan their exit before they close. Know your sell or refi timeline.
Rates on hard money run higher than conventional. That cost only makes sense if the deal margin supports it.
DSCR loans are better for buy-and-hold rentals. Hard money is built for speed and short holds.
Bridge loans are a close cousin. The difference is often just the lender's terminology and fee structure.
Huntington Beach has strong demand from coastal buyers. That supports ARV calculations on renovated properties.
Orange County's price point means large loan amounts. Make sure your lender is comfortable with the deal size.
Many hard money lenders close in 5-10 business days. Speed depends on the lender and how quickly you provide property details.
Most lenders cap at 60-70% of after-repair value. The stronger your exit strategy, the better your terms.
Credit is reviewed but rarely the deciding factor. The property's value and your exit plan matter far more.
You can, but it's expensive for a long hold. Most investors refinance into a DSCR loan once renovation is done.
Terms usually run 6-24 months. Rates vary by borrower profile and market conditions.
Expect origination points, typically 2-4, plus standard closing costs. Budget these into your deal from day one.