Question 1

How fast can I close a hard money loan in Rocklin?

Accepted Answer

Most hard money deals close in 7-14 days. Have your purchase contract and scope of work ready to move that fast.

Question 2

What credit score do I need for hard money?

Accepted Answer

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.

Question 3

How much can I borrow for a Rocklin flip?

Accepted Answer

Most lenders fund up to 65-70% of ARV. A strong after-repair value backed by local comps determines your max loan amount.

Question 4

Can I use hard money for a rental property in Placer County?

Accepted Answer

Yes, but only short-term. Hard money is a bridge — you'd refinance into a DSCR or conventional loan once the property stabilizes.

Question 5

What happens if my rehab runs over budget in Rocklin?

Accepted Answer

You cover the overage out of pocket. Lenders won't increase the loan mid-deal, so accurate scopes upfront are critical.

Hard Money Loans in Rocklin, CA — Fast Capital for Investors