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Hollister sits in San Benito County — a smaller market with real upside for investors who move fast.
Hard money loans are built for speed. They close in days, not weeks, which matters when deals don't wait.
6 – 24 months
Typical Loan Term
Up to 75% of ARV
Max LTV
Higher than conventional
Rate Type
Property value
Primary Approval Factor
7 – 14 days
Typical Close Time
Hard Money Loans in Hollister
Hard money lenders care about the property first. Your credit history matters less than the deal's numbers.
Most lenders want 25-35% equity or a solid down payment. The asset secures the loan — that's the whole model.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Hollister.
Hollister sits in San Benito County — a smaller market with real upside for investors who move fast.
Hard money loans are built for speed. They close in days, not weeks, which matters when deals don't wait.
Hard money lenders care about the property first. Your credit history matters less than the deal's numbers.
Hard money isn't offered by your corner bank. These loans come from private lenders and specialty shops.
We work with 200+ wholesale lenders, including private capital sources that fund deals in San Benito County.
The biggest mistake investors make: shopping hard money on rate alone. Terms, draw schedules, and exit flexibility matter more.
In a smaller market like Hollister, appraisal and ARV (after-repair value) accuracy is critical. A bad ARV kills deals fast.
Bridge loans cover timing gaps between buys. DSCR loans are better once the property cash-flows and you want long-term hold.
Hard money wins on speed and flexibility. You pay for that with higher rates and short repayment windows.
Hollister is a growing community with less competition than Bay Area markets. That creates opportunity for patient investors.
San Benito County has a limited comparables pool. Lenders will scrutinize your ARV — come prepared with solid comps.
Many hard money loans close in 7-14 days. Speed depends on how quickly the property can be valued and your documents submitted.
Credit matters less here than with conventional loans. Lenders focus on the property's value and your equity position.
Yes — fix-and-flip is the most common use case. Lenders will want a renovation plan and a credible exit strategy.
Most lenders cap at 65-75% of the purchase price or ARV. Higher LTVs are possible but come with stricter terms.
You either sell, refinance into a DSCR or conventional loan, or negotiate an extension. Plan your exit before you close.