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Lodi sits in San Joaquin County, surrounded by vineyards and older residential stock. That mix creates real opportunity for fix-and-flip investors.
Hard money fills the gap when a deal moves faster than a bank can respond. Speed is the whole point here.
7–14 Days
Typical Close Time
6–24 Months
Typical Loan Term
~600
Min Credit Score
25–35% Typical
Down Payment
Higher, Asset-Based
Rate Type
Hard Money Loans in Lodi
Hard money lenders care about the asset, not your tax returns. The property's value drives approval, not your W-2.
Most lenders want 25–35% equity or down payment. Your credit score matters less, but they still check it.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Lodi.
Lodi sits in San Joaquin County, surrounded by vineyards and older residential stock. That mix creates real opportunity for fix-and-flip investors.
Hard money fills the gap when a deal moves faster than a bank can respond. Speed is the whole point here.
Hard money lenders care about the asset, not your tax returns. The property's value drives approval, not your W-2.
Hard money lenders are private funds and individual investors. Rates and terms vary wildly between them.
At SRK CAPITAL, we work with 200+ wholesale lenders. We shop hard money options to find real terms, not just the first yes.
Most investors use hard money wrong. They close on the property then scramble for rehab funds. Structure the loan to cover both upfront.
Exit strategy matters as much as entry. Know whether you're flipping, refinancing into a DSCR loan, or selling before you sign.
Bridge loans are similar but typically used for transitional holds, not heavy rehab. Hard money is built for value-add projects.
DSCR loans are cheaper long-term but require a stabilized property. Use hard money to get there, then refinance out.
Lodi has older neighborhoods with aging housing stock. That means renovation opportunities are real and frequent.
San Joaquin County title and escrow can close fast when the deal is structured right. Hard money fits that pace well.
Many hard money deals close in 7–14 days. The property appraisal and title work are the main timeline drivers.
Most hard money lenders work with scores as low as 600. The property's value and your equity position matter far more.
Yes. Many programs include rehab draws built into the loan. Ask upfront how draws are structured and disbursed.
Terms run 6 to 24 months. Rates vary by borrower profile and market conditions, but expect higher rates than conventional loans.
Most investors refinance into a DSCR loan or sell the property. Have your exit locked before you close on the hard money.