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Roseville is one of the most active investor markets in Placer County. Fix-and-flip activity here moves fast, and conventional financing simply can't keep up.
Hard money loans are asset-based. The property value drives approval — not your tax returns or W-2s.
7–14 Days
Typical Close Time
6–24 Months
Typical Loan Term
25–35%
Min Down Payment
600+ (deal-driven)
Credit Flexibility
Asset-Based, Varies
Rate Type
Hard Money Loans in Roseville
Most hard money lenders want to see 25–35% equity or a solid down payment. Your credit score matters less than the deal itself.
Lenders evaluate the after-repair value (ARV) — what the property is worth after renovations. A strong ARV makes or breaks your approval.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Roseville.
Roseville is one of the most active investor markets in Placer County. Fix-and-flip activity here moves fast, and conventional financing simply can't keep up.
Hard money loans are asset-based. The property value drives approval — not your tax returns or W-2s.
Most hard money lenders want to see 25–35% equity or a solid down payment. Your credit score matters less than the deal itself.
Hard money lenders are not banks. They're private funds and specialty lenders — each with different rates, terms, and risk appetites.
As a broker with access to 200+ wholesale lenders, we match your deal to the lender whose criteria actually fits. One bad lender match kills deals unnecessarily.
The biggest mistake investors make is contacting only one hard money lender. Rates and fees swing dramatically between lenders on the same deal.
Roseville flips typically need capital fast. We've seen deals fall apart because investors waited too long chasing a quarter-point rate difference.
Bridge loans cover gaps between properties. DSCR loans work for stabilized rentals. Hard money is specifically built for acquisition and renovation speed.
If you plan to hold the property long-term, a DSCR loan is a better exit. Hard money is a short-term tool — typically 12 months.
Roseville sits in a high-demand Sacramento suburb corridor. Investors compete hard here, and sellers expect quick closes.
Placer County properties can appraise conservatively. Your lender's ARV methodology matters — some are more aggressive than others in this market.
Most hard money loans close in 7–14 days. Some lenders move faster on straightforward deals with clean title.
Many lenders approve at 600 or below. The deal and property value carry more weight than your credit profile.
Terms run 6–24 months. Most investors use 12 months and refinance into a DSCR or conventional loan at exit.
Yes. Rates are higher because these loans are short-term and asset-based. Rates vary by borrower profile and market conditions.
You can acquire it with hard money, but you'll want to refinance into a DSCR loan once it's stabilized and rented.
Yes. We work with private lenders and hard money funds across California. We match your deal to the right lender.