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Hard Money Loans in Ontario
What credit score do I need for a hard money loan in Ontario?
A minimum 660 representative credit score for an investment property. Hard money lenders care more about the property's value and your exit strategy than your credit history.
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Ontario's median home price sits at $671,649, with properties moving in 47 days on average. The market is active for investors looking to acquire, renovate, and resell.
Hard money loans close in 14 to 21 days, making them ideal for competitive bidding situations where speed matters more than traditional financing timelines.
660
Minimum credit score
$100K–$5M
Loan range
75%
Maximum LTV
14–21 days
SRK CAPITAL closing
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Hard money loans for investment properties require a minimum 660 representative credit score and a maximum 75 percent loan-to-value ratio. The loan amount ranges from $100,000 to $5,000,000 on properties with up to 4 units.
Reserve requirements depend on your loan-to-value. At or below 65 percent LTV, you need 6 months of reserves. Above 65 percent LTV, you need 12 months of reserves. These are cash reserves held in liquid accounts.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Ontario.
Ontario's median home price sits at $671,649, with properties moving in 47 days on average. The market is active for investors looking to acquire, renovate, and resell.
Hard money loans close in 14 to 21 days, making them ideal for competitive bidding situations where speed matters more than traditional financing timelines.
Hard money loans for investment properties require a minimum 660 representative credit score and a maximum 75 percent loan-to-value ratio. The loan amount ranges from $100,000 to $5,000,000 on properties with up to 4 units.
Rate check
Tell us the price range, down payment and credit range you are working with. We compare every lender we work with and show you the options side by side.
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Hard money lenders price loans on the property's value and exit strategy, not on your personal income or credit history. They focus on the deal—the after-repair value, the rental income, or the resale potential—rather than your tax returns.
SRK CAPITAL shops hard money across its wholesale lender network to find the best terms for your specific property and timeline. Underwriting moves fast because the property is the collateral, not your employment history or debt-to-income ratio.
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Hard money makes sense in Ontario for fix-and-flip investors where speed matters more than rate. At $671,649 median price, Ontario's market moves fast enough that traditional financing often loses deals.
If you're buying to hold long-term, a conventional or portfolio loan may cost less over time. Hard money is a short-term tool—use it to acquire and renovate, then refinance into permanent financing.
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Hard money closes in 14 to 21 days; conventional loans take longer and require full income documentation. Hard money underwrites on the property's value and exit; conventional underwrites on your credit, income, and debt-to-income ratio.
Hard money carries higher rates and points because the lender takes on short-term risk. Conventional financing costs less over time but won't win you a property in a bidding war.
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Ontario International Airport's ONT BOLD expansion project is underway, bringing infrastructure investment to the region. That kind of development supports property values for investors buying and renovating in the area.
The Inland Empire's dining and entertainment scene continues to grow. New coffeehouses and breweries have opened recently, making Ontario more attractive to renters and owner-occupants.
FAQ
A minimum 660 representative credit score for an investment property. Hard money lenders care more about the property's value and your exit strategy than your credit history.
$100,000 to $5,000,000 on investment properties with up to 4 units, at a maximum 75 percent loan-to-value ratio. The exact amount depends on the property's appraised value and your exit plan.
SRK CAPITAL closes hard money loans in 14 to 21 days. Speed is the main advantage—you can move quickly in competitive bidding situations where traditional financing can't keep pace.
Hard money lenders focus on the property and your exit strategy, not your personal income. You won't need W-2s or tax returns—the deal itself is the qualification.
6 months of liquid reserves if your loan-to-value is at or below 65 percent. 12 months of reserves if your loan-to-value is above 65 percent. Reserves are cash held in checking, savings, or money market accounts.
Programs for first-time buyers that allow lower down payments and more forgiving credit and income rules.
Explore refinancing options to lower your rate, tap equity, or switch loan terms.
SRK CAPITAL in San Bernardino County
Our team of licensed mortgage brokers works San Bernardino County every week. Tell us where you are in the process and we will map out the loan, the timeline and the money you need at closing, with no obligation.
What working with us looks like
Licensed mortgage brokers
You talk with a broker, not a call center, from the first question to closing day.
17-21 day typical close
Most purchase loans close in 17-21 days once your paperwork is in.
Every county in California
We work across the state, including San Bernardino County, so local limits and rules are already familiar.
Financing solutions for rental properties, fix-and-flip projects, and real estate portfolios.
Mortgage programs with alternative income documentation for business owners and freelancers.
Federally insured or guaranteed programs (FHA, VA, USDA) that let lenders accept lower credit scores and smaller down payments.
Traditional mortgage options meeting standard lending guidelines with various term structures.
Alternative lending programs for borrowers who need flexible documentation or unique loan structures.
Side-by-side comparisons to help you choose the right mortgage program.
This page is for educational purposes only and does not constitute financial, legal, or tax advice. Mortgage rates, terms, and program availability can change and vary by borrower and property. Consult a licensed mortgage professional for guidance on your scenario.