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Citrus Heights attracts investors looking for value-add opportunities in Sacramento County. Fix-and-flip activity here moves fast — hard money is built for that speed.
Traditional banks take 30-45 days to close. Hard money lenders can close in 7-14 days. That gap wins deals in competitive Sacramento submarkets.
7–14 Days
Typical Close Time
Up to 65–70%
Max LTV (ARV-Based)
Asset-Based
Credit Focus
6–24 Months
Loan Term
2–4 Points Typical
Origination Fees
Hard Money Loans in Citrus Heights
Hard money lenders care about the property, not your tax returns. They lend based on ARV — after-repair value — and current collateral.
Most lenders want 25-35% equity in the deal. Your credit score matters less, but severe delinquencies or recent foreclosures can still kill a deal.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Citrus Heights.
Citrus Heights attracts investors looking for value-add opportunities in Sacramento County. Fix-and-flip activity here moves fast — hard money is built for that speed.
Traditional banks take 30-45 days to close. Hard money lenders can close in 7-14 days. That gap wins deals in competitive Sacramento submarkets.
Hard money lenders care about the property, not your tax returns. They lend based on ARV — after-repair value — and current collateral.
Hard money is a fragmented market. Rates, fees, and LTV limits vary wildly from one lender to the next. Shopping matters here more than almost any other loan type.
We work with 200+ wholesale lenders including dedicated hard money shops. That gives us real options — not just whoever picks up the phone.
Most investors lose hard money deals by waiting too long to get pre-approved. Get your proof-of-funds letter before you make an offer.
Watch the exit strategy. Hard money lenders are going to ask how you plan to repay — sale, refi, or refinance into a DSCR loan. Have that answer ready on day one.
Bridge loans and hard money overlap, but bridge loans often come with lower rates and longer terms. Hard money is faster and more flexible on property condition.
DSCR loans are a better fit once the property is stabilized and rented. Hard money gets you in — DSCR gets you out of the short-term rate.
Citrus Heights sits in Sacramento County, where investor activity has stayed steady. The city's older housing stock creates consistent fix-and-flip inventory.
Sacramento County title and escrow timelines are predictable. That helps when coordinating a 10-day hard money close — fewer surprises than some Bay Area counties.
Most hard money deals close in 7-14 days. Title and escrow in Sacramento County typically cooperate with fast timelines.
There's no firm minimum like conventional loans. Most lenders focus on the deal — but recent foreclosures or judgments can still block approval.
Lenders base it on ARV — after-repair value. Most will lend up to 65-70% of ARV, including rehab costs in the loan.
Yes, but it's short-term financing. Most investors refinance into a DSCR loan once the property is rented and stabilized.
Rates vary by lender, deal, and borrower profile. Expect higher rates than conventional — the speed and flexibility come at a cost. Rates vary by borrower profile and market conditions.
Most lenders offer extensions for a fee — typically 1-2 points. Build buffer into your timeline before you close.