Question 1

How fast can a hard money loan close in San Francisco?

Accepted Answer

Most hard money loans close in 5–10 business days. Speed depends on how quickly title and property inspection can be completed.

Question 2

What loan-to-value does hard money cover in SF?

Accepted Answer

Most lenders go up to 65–75% of ARV. Higher-value SF properties may see tighter LTV limits depending on the lender.

Question 3

Can I use hard money for a multi-unit property in San Francisco?

Accepted Answer

Yes. Hard money lenders commonly fund 2–4 unit and larger multifamily deals. The property's value and your exit strategy drive approval.

Question 4

Do hard money lenders check credit scores?

Accepted Answer

They do, but it's not the primary factor. A solid deal with strong equity can close even with a below-average credit score.

Question 5

What happens if my renovation runs over schedule?

Accepted Answer

You'll need to negotiate an extension with your lender — usually for a fee. Plan for delays before you close, not after.

Question 6

What are typical hard money interest rates in San Francisco?

Accepted Answer

Rates vary by borrower profile and market conditions. Hard money rates run higher than conventional — the speed and flexibility is what you're paying for.

Hard Money Loans in San Francisco