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Twentynine Palms attracts real estate investors for a reason. Low entry prices, proximity to Joshua Tree National Park, and strong short-term rental demand make this market worth watching.
Hard money loans are built for speed. When a deal needs to close in days, not months, asset-based lending is often the only tool that works here.
6 – 24 Months
Typical Loan Term
Up to 75%
Max LTV
2 – 4 Points
Origination Points
No Hard Minimum
Credit Flexibility
7 – 14 Days
Est. Close Time
Hard Money Loans in Twentynine Palms
Hard money lenders care about the property, not your W-2. Your credit score matters less than the deal's loan-to-value ratio — typically capped at 65-75%.
Most lenders want a clear exit strategy. Are you flipping, refinancing into a DSCR loan, or selling? Know your answer before you apply.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Twentynine Palms.
Twentynine Palms attracts real estate investors for a reason. Low entry prices, proximity to Joshua Tree National Park, and strong short-term rental demand make this market worth watching.
Hard money loans are built for speed. When a deal needs to close in days, not months, asset-based lending is often the only tool that works here.
Hard money lenders care about the property, not your W-2. Your credit score matters less than the deal's loan-to-value ratio — typically capped at 65-75%.
Most retail banks won't touch hard money deals. These loans come from private lenders and specialty funds — and their terms vary wildly.
SRK CAPITAL works with 200+ wholesale lenders, including private hard money sources. We compare terms so you're not locked into one lender's rate sheet.
Investors in the Twentynine Palms area often use hard money to acquire a distressed property fast, then refinance into a DSCR loan once it's stabilized.
Watch your points and fees closely. Hard money typically runs 2-4 points at origination. On a $300K deal, that's real money before you swing a hammer.
Bridge loans are a close cousin to hard money — slightly lower rates, slightly more documentation. If you have time to qualify, a bridge loan may save you money.
DSCR loans are the long-term play. Hard money gets you in the door. DSCR keeps you in the deal once the property produces income.
San Bernardino County has a wide range of property types — from desert cabins to commercial lots. Hard money lenders underwrite each deal differently based on property type.
Twentynine Palms sits near a major Marine Corps base. That drives consistent rental demand year-round, which strengthens your exit strategy story with lenders.
Many hard money deals close in 7-14 days. Speed depends on appraisal turnaround and lender processing times.
Most hard money lenders don't set a firm minimum. The property's value and your equity position drive approval.
Yes. Many investors use hard money to acquire and renovate, then refinance into a DSCR loan once the property is rentable.
Expect 6-24 month terms, 2-4 origination points, and interest rates above conventional financing. Rates vary by borrower profile and market conditions.
Yes. SRK CAPITAL works with private hard money lenders across California, including San Bernardino County.
Most lenders cap LTV at 65-75% for desert and rural markets. Higher-risk properties may see lower limits.