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Lathrop sits in San Joaquin County, one of the Central Valley's most active corridors for residential investment and fix-and-flip activity.
Investors targeting Lathrop need capital fast. Hard money delivers that — approval based on the property's value, not your tax returns.
7–14 Days
Typical Close Time
Up to 70% ARV
Max LTV
~600
Min Credit Score
6–24 Months
Loan Term
No
Income Docs Required
Hard Money Loans in Lathrop
Hard money lenders care about one thing first: the deal. They look at the property's after-repair value (ARV) — what it's worth after renovation.
Most lenders want a loan-to-value (LTV) ratio under 70%. That means you need skin in the game. Credit matters less, but expect a floor around 600.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Lathrop.
Lathrop sits in San Joaquin County, one of the Central Valley's most active corridors for residential investment and fix-and-flip activity.
Investors targeting Lathrop need capital fast. Hard money delivers that — approval based on the property's value, not your tax returns.
Hard money lenders care about one thing first: the deal. They look at the property's after-repair value (ARV) — what it's worth after renovation.
Most banks don't touch hard money. You're working with private lenders and specialty funds — and their terms vary wildly.
At SRK CAPITAL, we work with 200+ wholesale lenders. That gives you real options, not just whoever answers the phone first.
The investors who win in markets like Lathrop move fast. Hard money is the tool that lets you close before the next buyer shows up.
Don't use hard money as a long-term hold strategy. These loans run 6–24 months. Have your exit — refinance into DSCR or sell — mapped out before you close.
Bridge loans look similar but suit stabilized properties with light repositioning. Hard money is built for distressed assets needing real rehab work.
DSCR loans are your long-term play once the property cash flows. Construction loans fit ground-up builds. Hard money sits in the middle — acquisition plus rehab.
Lathrop has seen sustained warehouse and residential development pressure from its position along I-5. That activity creates opportunity for investors on the residential side.
San Joaquin County properties can appraise conservatively. Work with a lender who knows Central Valley comps — a bad ARV estimate kills your deal before it starts.
Most hard money deals close in 7–14 days. Speed depends on the appraisal and how clean your deal package is.
Most hard money lenders want at least a 600 score. The property's value matters far more than your credit history.
You can acquire with hard money, but you'll need to refinance into a DSCR or conventional loan before the term ends.
ARV is what the property is worth after renovation. Hard money lenders size your loan against this number — get it right.
Yes, significantly. Rates vary by borrower profile and market conditions, but hard money costs more in exchange for speed and flexibility.
Most hard money lenders skip income verification entirely. The property and your equity position are what they underwrite.