Loading
Loading
Cathedral City sits in the Coachella Valley — a market with strong investor activity and consistent demand for renovated properties.
Hard money loans are built for speed. When a fix-and-flip deal needs to close in days, not months, this is the tool.
6–24 Months
Typical Loan Term
65–75%
Max LTV (Typical)
Asset-Based
Credit Focus
Higher, Short-Term
Rate Type
5–10 Business Days
Est. Close Time
Hard Money Loans in Cathedral City
Hard money lenders care about the property's value, not your tax returns. Your credit score matters less than the deal itself.
Most lenders want 25–35% equity or down payment. The asset secures the loan — your income profile is secondary.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Cathedral City.
Cathedral City sits in the Coachella Valley — a market with strong investor activity and consistent demand for renovated properties.
Hard money loans are built for speed. When a fix-and-flip deal needs to close in days, not months, this is the tool.
Hard money lenders care about the property's value, not your tax returns. Your credit score matters less than the deal itself.
Hard money lenders are private — not banks. Rates and terms vary wildly. Shopping one lender means leaving money on the table.
At SRK CAPITAL, we work with 200+ wholesale lenders. That includes dozens of private capital sources for Cathedral City investors.
The biggest mistake investors make: waiting on bank financing for a time-sensitive deal. Hard money exists for exactly that scenario.
Pair your hard money loan with an exit strategy from day one. Refinance into a DSCR loan or sell — know your out before you close.
Bridge loans are close cousins to hard money — but typically lower rates and stricter qualification. Hard money moves faster with fewer hurdles.
DSCR loans work great once the property is stabilized. Hard money gets you to that point when conventional financing won't move fast enough.
Cathedral City has a high concentration of older housing stock. That means renovation deals are common — and hard money fits that inventory well.
The Coachella Valley attracts short-term rental investors. A fast acquisition via hard money, then a DSCR refi into a rental, is a proven local playbook.
Many hard money loans close in 5–10 business days. Speed depends on the lender and how quickly the appraisal gets done.
Credit matters less than the property's value. Most private lenders focus on your equity position and exit strategy.
Most lenders cap at 65–75% LTV. Some go higher for strong deals, but expect to bring real skin to the table.
Yes. Many investors use hard money to acquire and renovate, then refinance into a DSCR loan once the property is rent-ready.
Terms typically run 6 to 24 months. These are short-term tools — not long-term financing solutions.
Yes. We work with private capital lenders across Riverside County. We shop terms so you don't overpay.