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Stanton sits in central Orange County — a dense, older housing stock full of fix-and-flip targets. Investors move fast here because deals don't wait.
Hard money is asset-based lending. The loan is secured by the property, not your tax returns. That speed is the whole point.
6–24 Months
Typical Loan Term
Up to 75% LTV
Max Loan-to-Value
Property Value (ARV)
Approval Basis
7–14 Days
Typical Close Time
Collateral-Driven
Credit Flexibility
Hard Money Loans in Stanton
Hard money lenders look at the property's value — current and after-repair (ARV). Your W-2 or self-employment income is largely irrelevant.
Most lenders want 25–35% equity in the deal. A strong exit strategy matters just as much as the collateral.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Stanton.
Stanton sits in central Orange County — a dense, older housing stock full of fix-and-flip targets. Investors move fast here because deals don't wait.
Hard money is asset-based lending. The loan is secured by the property, not your tax returns. That speed is the whole point.
Hard money lenders look at the property's value — current and after-repair (ARV). Your W-2 or self-employment income is largely irrelevant.
Banks don't do hard money. These loans come from private lenders and funds — each with their own rates, fees, and criteria.
We work with 200+ wholesale lenders, including hard money shops that specialize in Orange County investor deals. We match the deal to the right lender.
Rates vary by borrower profile and market conditions. Hard money rates run higher than conventional — you're paying for speed and flexibility.
The investors who use hard money correctly treat it as a tool, not a long-term hold. Get in, renovate, then refinance into a DSCR loan or sell.
Bridge loans and hard money overlap. Bridge loans typically assume a stabilized property. Hard money handles distressed assets and heavy rehabs.
DSCR loans are the long-term play after the dust settles. Hard money gets you the property — DSCR lets you keep it.
Stanton's housing stock skews older — 1950s and 60s builds are common. That means renovation costs are real and ARV projections need to be sharp.
Orange County values give hard money lenders confidence in collateral. Strong local demand supports exit strategies on both the sale and rental side.
Most hard money deals close in 7–14 days. Speed depends on how quickly the property appraises and title clears.
Credit matters less than the deal's collateral and your exit plan. Most hard money lenders have flexible credit requirements.
Terms usually run 6 to 24 months. These are not long-term loans — plan your exit before you fund.
Yes, but you'll need a clear exit. Most investors refinance into a DSCR loan once the property is stabilized and rented.
ARV is After-Repair Value — what the property is worth after renovations. Lenders base your loan amount on this number.
Yes, significantly. Rates vary by borrower profile and market conditions. You're paying for fast funding and flexible underwriting.