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Rocklin is active investor territory. Fix-and-flip buyers and landlords need capital fast — hard money delivers it.
Placer County's growth corridor keeps deal flow strong. Hard money lets investors move before conventional financing catches up.
7–14 Days
Typical Close Time
65–70%
Max LTV (of ARV)
Asset-Based
Credit Flexibility
Varies by Deal
Rate Type
6–24 Months
Typical Loan Term
Hard Money Loans in Rocklin
Hard money lenders underwrite the asset, not the borrower. Your credit score matters less than the property's value and your exit plan.
Most lenders want 30-35% equity in the deal. Strong ARV (after-repair value) and a clear payoff strategy get you approved.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Rocklin.
Rocklin is active investor territory. Fix-and-flip buyers and landlords need capital fast — hard money delivers it.
Placer County's growth corridor keeps deal flow strong. Hard money lets investors move before conventional financing catches up.
Hard money lenders underwrite the asset, not the borrower. Your credit score matters less than the property's value and your exit plan.
Hard money isn't one-size-fits-all. Rates and terms vary wildly across private lenders, funds, and family offices.
At SRK CAPITAL, we work with 200+ wholesale lenders. We match your deal to the lender whose box it actually fits.
The deals that fall apart usually have a bad exit, not bad credit. Know exactly how you're paying this loan off before you close.
Rehab scope matters. Lenders want to see realistic budgets. Understating renovation costs kills draws and kills deals.
Hard money costs more than a DSCR loan. But DSCR takes 3-4 weeks and requires a stabilized property. Hard money closes fast on distressed assets.
Bridge loans are similar but often require more borrower documentation. Hard money is the most asset-focused option available.
Rocklin's older neighborhoods have renovation upside. Investors buying dated ranchers and flipping them are active here.
Placer County appraisers know this market. Strong comps support solid ARV numbers — that directly affects how much you can borrow.
Most hard money deals close in 7-14 days. Have your purchase contract and scope of work ready to move that fast.
Many hard money lenders don't set a firm minimum. The deal's equity and your exit plan carry far more weight than your score.
Most lenders fund up to 65-70% of ARV. A strong after-repair value backed by local comps determines your max loan amount.
Yes, but only short-term. Hard money is a bridge — you'd refinance into a DSCR or conventional loan once the property stabilizes.
You cover the overage out of pocket. Lenders won't increase the loan mid-deal, so accurate scopes upfront are critical.