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Lincoln is one of Placer County's fastest-growing cities. That growth creates real opportunity for fix-and-flip investors and builders.
Hard money loans are asset-based. The property's value drives approval — not your tax returns or W-2s.
6–18 Months
Typical Loan Term
65–75% As-Is
Typical Max LTV
As Low As 600
Min Credit Score
7–14 Days
Avg Close Time
Usually None
Income Docs Required
Hard Money Loans in Lincoln
Most hard money lenders want 25-35% equity in the deal. Your skin in the game matters more than your credit score.
Credit minimums vary by lender — some go as low as 600. Experience as an investor can offset a thinner credit file.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Lincoln.
Lincoln is one of Placer County's fastest-growing cities. That growth creates real opportunity for fix-and-flip investors and builders.
Hard money loans are asset-based. The property's value drives approval — not your tax returns or W-2s.
Most hard money lenders want 25-35% equity in the deal. Your skin in the game matters more than your credit score.
Hard money lenders aren't banks. They're private funds and individual investors with their own underwriting rules.
We work with 200+ wholesale lenders — including hard money sources that operate actively in Placer County.
Hard money is a tool, not a long-term plan. Use it to close fast, renovate, then refinance into permanent financing.
The biggest mistake investors make is underestimating hold costs. Short loan terms — often 6-18 months — mean your exit strategy must be airtight.
Bridge loans are close cousins to hard money — but usually require stronger credit and a stabilized property.
DSCR loans work better for rental holds. Hard money is for the acquisition and rehab phase before the property generates income.
Lincoln has active new construction and older neighborhoods with rehab potential. Both create different use cases for hard money.
Placer County permits can run slow. Build that timeline into your loan term so you're not caught in a rate extension.
Many hard money loans close in 7-14 days. Speed depends on the lender and how quickly you provide property details.
Most lenders go up to 65-75% LTV on the as-is value. Some offer up to 90% of cost on rehab projects.
No license required as a borrower. But California has specific rules for lenders — always verify your lender is properly licensed.
Some hard money lenders fund land purchases, but terms are stricter. Expect lower LTV and higher rates on raw land.
Lenders may offer extensions — usually for a fee. Defaulting puts the property at risk, so nail down your exit before closing.
Yes, significantly. Rates reflect the short-term, asset-based risk. Rates vary by borrower profile and market conditions.