Loading
Loading
Chula Vista attracts real estate investors for good reason. Properties move fast, and conventional financing rarely keeps pace.
Hard money loans are asset-based. The lender cares about the property's value — not your tax returns.
5-10 Business Days
Typical Close Time
Up to 75%
Max LTV (ARV)
1% - 4% Typical
Origination Points
6 to 24 Months
Loan Term
Acquisition + Rehab
Loan Purpose
Hard Money Loans in Chula Vista
Hard money lenders focus on LTV — loan-to-value ratio. Most lend up to 65-75% of the property's after-repair value (ARV).
Credit score matters less here. A deal with strong equity can get funded even with bruised credit.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Chula Vista.
Chula Vista attracts real estate investors for good reason. Properties move fast, and conventional financing rarely keeps pace.
Hard money loans are asset-based. The lender cares about the property's value — not your tax returns.
Hard money lenders focus on LTV — loan-to-value ratio. Most lend up to 65-75% of the property's after-repair value (ARV).
Most banks don't touch hard money. You're working with private funds and specialty lenders.
Rates and fees vary wildly across lenders. Origination points alone can range from 1% to 4%. Rates vary by borrower profile and market conditions.
The biggest mistake investors make: waiting on a bank while the deal falls apart. Hard money exists to close fast.
Your exit strategy is the most important part of your file. Lenders want to know how they get paid back — sale, DSCR refi, or construction takeout.
Bridge loans and hard money overlap, but hard money typically funds faster with less documentation.
DSCR loans are the long-term play after your rehab is done. Hard money gets you in — DSCR keeps you in.
Chula Vista has active fix-and-flip activity, especially in older neighborhoods west of I-805.
San Diego County's high property values support strong ARV numbers — which helps hard money deals pencil out.
Many deals close in 5-10 business days. Having your property details and exit strategy ready speeds things up.
Not necessarily. Lenders focus on the deal's equity. A weak credit score won't automatically kill your file.
Yes. Many hard money loans include a renovation draw schedule. Funds release in stages as work is completed.
You sell the property or refinance into a long-term loan. Most lenders expect a clear exit before funding.
Yes, significantly. You're paying for speed and flexibility. Rates vary by borrower profile and market conditions.
Hard money funds the acquisition and rehab. After stabilization, most investors refinance into a DSCR loan.