Loading
Loading
Rancho Cordova is active investor territory. Fix-and-flip buyers and landlords move fast here — hard money makes that possible.
Sacramento County's eastern corridor draws investors chasing value. Speed wins deals that conventional financing simply can't close.
7-14 Days
Typical Close Time
65-75%
Max LTV (ARV)
Flexible
Min Credit Score
6-18 Months
Loan Term
Usually None
Income Docs Required
Hard Money Loans in Rancho Cordova
Hard money lenders care about the property, not your tax returns. The deal's numbers matter more than your income history.
Most lenders want 25-35% equity or down payment. Your credit score matters less — but a score below 600 can still affect your rate.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Rancho Cordova.
Rancho Cordova is active investor territory. Fix-and-flip buyers and landlords move fast here — hard money makes that possible.
Sacramento County's eastern corridor draws investors chasing value. Speed wins deals that conventional financing simply can't close.
Hard money lenders care about the property, not your tax returns. The deal's numbers matter more than your income history.
Hard money isn't bank territory. Private lenders and funds handle these deals — terms vary wildly between them.
We work with 200+ wholesale lenders, including private capital sources active in Sacramento County. That range matters when you need the right terms fast.
The biggest mistake investors make: waiting too long to line up financing. Hard money moves fast — but only if you're already approved.
Know your exit before you borrow. Lenders ask how you'll repay. Refinance into a DSCR loan or sell — have the answer ready.
Bridge loans are close cousins to hard money — cleaner terms, slightly lower rates, but less flexible on distressed properties.
DSCR loans are your long-term play. Hard money gets you in. DSCR locks in the rental hold. Many investors use both in sequence.
Rancho Cordova has older housing stock — 1960s to 1980s builds that need work. That's exactly the profile hard money is built for.
Sacramento County's permit process adds time to rehab timelines. Build that into your loan term. Most hard money runs 6-18 months.
Most deals close in 7-14 days. Speed depends on a clean title and a ready appraisal or BPO.
Most lenders go up to 65-75% of ARV (after-repair value). The stronger your deal, the better your terms.
Yes. Many programs cover both purchase and renovation funds. Rehab draws are released in stages as work is completed.
Rates vary by borrower profile and market conditions. Hard money typically runs higher than conventional — factor that into your deal math.
Not necessarily. The property and deal structure matter most. Low credit may increase your rate but rarely kills the deal outright.
Hard money is short-term and asset-based. DSCR is a long-term rental loan based on the property's income. Different tools, different stages.