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Irvine is one of Orange County's most active markets for fix-and-flip and buy-and-hold investors. Properties move fast here. Hard money financing lets you close in days, not weeks.
Conventional loans can't compete with that speed. When you're competing against cash buyers in Irvine, a hard money loan is often the only way to win the deal.
7–14 Days
Typical Close Time
Up to 75%
Max LTV (ARV)
Asset-Based
Credit Focus
Acquire & Rehab
Loan Purpose
6–24 Months
Typical Loan Term
Hard Money Loans in Irvine
Hard money lenders care about the asset, not your W-2. Your credit score matters less than the property's value and your exit strategy.
Most lenders lend up to 65-75% of the after-repair value (ARV). ARV is what the property is worth after renovations are complete. Bring a solid rehab budget and a clear exit plan.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Irvine.
Irvine is one of Orange County's most active markets for fix-and-flip and buy-and-hold investors. Properties move fast here. Hard money financing lets you close in days, not weeks.
Conventional loans can't compete with that speed. When you're competing against cash buyers in Irvine, a hard money loan is often the only way to win the deal.
Hard money lenders care about the asset, not your W-2. Your credit score matters less than the property's value and your exit strategy.
Hard money lenders are not banks. They're private capital sources — funds, family offices, and individual investors. Terms vary dramatically from one lender to the next.
Rates vary by borrower profile and market conditions. Fees, draw schedules, and prepayment terms all differ. Comparing three lenders on your own takes time you usually don't have.
Most investors burn money on their first hard money deal because they only focused on the interest rate. Points, extension fees, and draw delays cost more than a higher rate.
In Irvine, your exit timeline is everything. Properties here don't sit long — but your lender's extension policy decides whether a slow market kills your returns.
Bridge loans are the closest alternative. They're also short-term but typically used when the property is already stabilized. Hard money works when there's significant rehab involved.
DSCR loans are the right move after stabilization. Once your Irvine investment property is rented and cash-flowing, refinancing into a DSCR loan cuts your rate and extends your term.
Irvine's high property values mean larger loan amounts — and more capital at risk. Lenders scrutinize ARV estimates closely here. A weak comp analysis will kill your approval.
Orange County's strong rental demand makes buy-and-hold viable after rehab. A lot of Irvine investors use hard money to acquire and renovate, then refinance into a DSCR loan to hold long-term.
Most hard money lenders close in 7-14 days. Some can move faster with a complete file and a clean title.
Credit matters less than the deal itself. Lenders focus on property value and your exit plan, not your credit score.
ARV is after-repair value — what the property is worth post-renovation. Lenders base your loan amount on ARV, not the purchase price.
Yes. Many investors use hard money to acquire and rehab, then refinance into a DSCR loan once the property is stabilized.
You'll need an extension — which usually comes with fees. Read your extension terms before closing, not after your timeline slips.
Loan amounts depend on ARV and the lender's LTV limit. Most lenders cap at 65-75% of ARV. Rates vary by borrower profile and market conditions.