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Santa Ana is one of Orange County's most active fix-and-flip markets. Dense housing stock, older properties, and strong rental demand make it a target for investors.
Hard money fills a gap banks won't touch. Speed and flexibility matter more than rate when you're chasing a distressed deal in a competitive zip code.
6 – 24 Months
Typical Loan Term
65 – 75% of ARV
Max LTV (Common)
25 – 35%
Down Payment
Asset-Based
Credit Focus
7 – 14 Days
Est. Close Time
Hard Money Loans in Santa Ana
Hard money lenders care about the property, not your W-2. They underwrite based on the asset's value and your exit strategy.
Most lenders want 25-35% equity or down payment. Your credit score matters less — but a plan to repay in 6-24 months matters a lot.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Santa Ana.
Santa Ana is one of Orange County's most active fix-and-flip markets. Dense housing stock, older properties, and strong rental demand make it a target for investors.
Hard money fills a gap banks won't touch. Speed and flexibility matter more than rate when you're chasing a distressed deal in a competitive zip code.
Hard money lenders care about the property, not your W-2. They underwrite based on the asset's value and your exit strategy.
Hard money is not a commodity. Every lender prices risk differently. One shop might fund 70% of ARV — another stops at 60%.
SRK CAPITAL works with 200+ wholesale lenders, including hard money sources active in Orange County. We find the one that fits your deal structure.
The biggest mistake investors make is waiting too long to line up financing. In Santa Ana, good deals move in days — not weeks.
Get pre-approved before you write an offer. Hard money lenders can close in 7-14 days when docs are ready. That speed is your edge.
Hard money costs more than a conventional loan — full stop. You're paying for speed, flexibility, and access to deals banks won't finance.
DSCR loans are better for stabilized rentals. Bridge loans work for transitional holds. Hard money is purpose-built for acquisition and rehab.
Santa Ana has a dense mix of 1950s-70s single-family homes and small multifamily properties. Many need work — that's the opportunity.
Orange County's strong rental demand supports investor exits. Whether you flip or refinance into a long-term loan, the demand is there.
Experienced borrowers with docs ready can close in 7-14 days. Having your scope of work and property details upfront speeds things up.
Credit matters less than the deal. Lenders focus on property value and your exit strategy — not your debt-to-income ratio.
Most run 6 to 24 months. These are short-term loans — you're expected to flip or refinance before the term ends.
Yes. Many lenders fund both acquisition and rehab draws. Draws release as work is completed and verified.
ARV means after-repair value — what the property is worth once fixed. Lenders cap loans based on a percentage of ARV to manage their risk.
SRK CAPITAL shops your deal across 200+ lenders to match you with the right hard money source for your project and timeline.