Question 1

How fast can I close a hard money loan in Vista?

Accepted Answer

Most hard money deals close in 5–10 business days. Have your purchase contract and property details ready to move quickly.

Question 2

What credit score do I need for hard money?

Accepted Answer

There's no firm minimum. Lenders focus on the deal, not your score. A 600 with a strong deal often beats a 720 with a weak one.

Question 3

How much do hard money loans cost in San Diego?

Accepted Answer

Rates vary by borrower profile and market conditions. Expect higher rates than conventional — the tradeoff is speed and flexibility.

Question 4

Can I use hard money for a rental property in Vista?

Accepted Answer

Yes, for acquisition and rehab. Once it's stabilized with a tenant, refinance into a DSCR loan for long-term hold.

Question 5

What does ARV mean and why does it matter?

Accepted Answer

ARV is after-repair value — what the property is worth post-renovation. Lenders base your loan amount on a percentage of that number.

Question 6

Do hard money lenders verify my income?

Accepted Answer

Usually not. These are asset-based loans. The property's value and your equity stake are what lenders evaluate.

Hard Money Loans in Vista, CA — Fast Capital for Investors