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Sacramento attracts serious fix-and-flip investors. The city has older housing stock, motivated sellers, and enough spread between distressed and retail prices to make deals work.
Hard money fills a gap banks won't touch. Speed and asset value matter more than your tax returns.
6–18 Months
Typical Loan Term
Up to 75%
Max LTV (of ARV)
~600+
Min Credit Score
Not Required
Income Verification
5–10 Business Days
Est. Closing Time
Hard Money Loans in Sacramento
Hard money lenders care about the property, not your W-2. They evaluate the after-repair value (ARV) — what the home is worth after renovations are complete.
Most lenders fund 65-75% of ARV. Your credit score matters less here, but a score below 600 can still limit your options.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Sacramento.
Sacramento attracts serious fix-and-flip investors. The city has older housing stock, motivated sellers, and enough spread between distressed and retail prices to make deals work.
Hard money fills a gap banks won't touch. Speed and asset value matter more than your tax returns.
Hard money lenders care about the property, not your W-2. They evaluate the after-repair value (ARV) — what the home is worth after renovations are complete.
Hard money isn't a bank product. These loans come from private lenders and funds with their own rules, rates, and appetites.
We work with 200+ wholesale lenders, including private hard money sources. That means we can match your deal to a lender who actually funds projects like yours in Sacramento.
The biggest mistake Sacramento investors make: underestimating rehab costs. Lenders will order their own scope review. If your numbers are off, the deal falls apart at funding.
Get your contractor bids before you apply. Lenders want to see a realistic budget. Vague estimates kill closings.
Hard money isn't the only option for Sacramento investors. DSCR loans work better for rentals you plan to hold. Bridge loans suit short-term gaps between properties.
If you need speed and the property needs work, hard money wins. If the property cash flows and you want lower rates, look at DSCR instead.
Sacramento has neighborhoods with strong flip margins — areas where older homes sell well below neighboring zip codes but retail buyers still pay strong prices post-renovation.
Permit timelines at Sacramento County can run long. Factor that into your hold timeline. Hard money is short-term, typically 6-18 months. Delays cost you interest.
Many hard money lenders close in 5-10 business days. Speed depends on how quickly you provide the property details and your rehab budget.
Most lenders want at least 600, but some go lower if the deal is strong. The property's value carries more weight than your score.
Yes. Most hard money loans cover acquisition plus rehab costs. Funds are typically released in draws as work is completed.
You can sometimes request an extension, but extensions cost money. Plan your timeline conservatively and build in buffer weeks.
Yes, significantly. Rates vary by borrower profile and market conditions. The trade-off is speed and flexibility banks can't offer.
Not always, but first-timers may face tighter loan-to-value limits. Some lenders require a track record for larger loan amounts.