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Orange County's investment property market moves fast. Hard money gives buyers the speed to compete when conventional financing won't close in time.
Hard money loans are asset-based. The property value drives approval — not your tax returns or debt-to-income ratio.
7–14 Days
Typical Closing Speed
65–70%
Max LTV (Typical)
6–18 Months
Loan Term
Usually None
Income Docs Required
Low Priority
Credit Score Focus
Hard Money Loans in Orange
Lenders focus on the property's value and your exit strategy. Strong equity position matters more than credit score.
Most hard money lenders want 30-35% equity or a solid down payment. Loan-to-value ratios typically cap around 65-70%.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Orange.
Orange County's investment property market moves fast. Hard money gives buyers the speed to compete when conventional financing won't close in time.
Hard money loans are asset-based. The property value drives approval — not your tax returns or debt-to-income ratio.
Lenders focus on the property's value and your exit strategy. Strong equity position matters more than credit score.
Hard money lenders are not all built alike. Some specialize in fix-and-flip, others in land or new construction.
We work with 200+ wholesale lenders. That means we can match your deal type to lenders who actually fund it in Orange County.
The deals that fall apart aren't bad properties — they're bad loan matches. Bringing a flip deal to the wrong hard money lender wastes your time.
Know your exit before you close. Lenders scrutinize your payoff plan. Vague answers kill deals fast.
Bridge loans cover the gap between two properties. DSCR loans work better for stabilized rentals with cash flow. Hard money fits acquisition and renovation.
If you're holding the property long-term, a DSCR refinance after rehab makes more sense than extending a hard money term.
Orange has a strong mix of older single-family homes and small multifamily properties. Many are solid candidates for value-add rehab strategies.
Orange County's permitting process adds timeline risk to flips. Build that into your loan term — most hard money caps out at 12-18 months.
Many hard money loans close in 7-14 days. Speed depends on your lender, deal complexity, and how quickly you provide property docs.
Most hard money lenders don't have a strict score cutoff. The property's value and your equity position carry more weight.
Yes. Fix-and-flip is the most common use case. Lenders typically fund both acquisition and rehab draws.
Most terms run 6-18 months. They're designed to be paid off through a sale or refinance — not held long-term.
Yes, significantly. Hard money trades rate for speed and flexibility. Rates vary by borrower profile and market conditions.
ARV is the estimated property value after rehab. Lenders base the loan amount on ARV — a higher ARV means more available capital.