Question 1

What credit score do I need for hard money in San Juan Bautista?

Accepted Answer

Most lenders accept 580+ credit scores. They focus on property value and your down payment, not credit history.

Question 2

How fast can I close on a San Juan Bautista property with hard money?

Accepted Answer

We close in 7-14 days with all documents ready. That speed wins deals in this small, competitive market.

Question 3

Do hard money lenders fund historic San Juan Bautista properties?

Accepted Answer

Yes, but they need appraisers who understand historic district comps. Not all lenders have this local expertise.

Question 4

What down payment do I need for a fix-and-flip loan here?

Accepted Answer

Expect 20-30% down. Higher down payments get better rates and more lender options.

Question 5

Can I use hard money for a rental property in San Juan Bautista?

Accepted Answer

You can, but refinance into a DSCR loan after repairs. That cuts your rate by 2-3 percentage points for long-term holds.

Hard Money Loans for San Juan Bautista Fix-and-Flip and Investment Properties