Question 1

How fast can a hard money loan close in Tustin?

Accepted Answer

Most hard money deals close in 7-14 days. Speed depends on how fast the property appraises and title clears.

Question 2

What credit score do I need for hard money?

Accepted Answer

No hard minimum — the property and deal structure matter more. Most lenders want to see 600+, but exceptions exist.

Question 3

Can I use hard money to buy and flip in Orange County?

Accepted Answer

Yes — that's exactly what these loans are built for. Fix-and-flip is the most common use case we see in OC.

Question 4

What LTV will hard money lenders approve in Tustin?

Accepted Answer

Most cap at 65-70% of purchase price or after-repair value. Stronger deals sometimes push to 75%. Rates vary by borrower profile and market conditions.

Question 5

Do hard money loans have prepayment penalties?

Accepted Answer

Some do, some don't — it depends on the lender. We review terms across multiple sources to find the cleanest structure for your deal.

Question 6

What's the typical loan term for hard money?

Accepted Answer

Usually 6 to 24 months. Most Tustin flip projects land in the 9-12 month range before payoff or refinance.

Hard Money Loans in Tustin, CA — Fast Capital for Real Estate Investors