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Manteca sits in San Joaquin County — a corridor where investors are active and deals move fast. Hard money gets you in before a conventional loan even clears underwriting.
This is fix-and-flip and buy-and-hold territory. Asset-based lending fits that playbook exactly.
6 – 24 Months
Typical Loan Term
Up to 70%
Max LTV (ARV)
600s or Below OK
Credit Flexibility
7 – 14 Days
Avg Close Time
Varies by Lender
Rate Type
Hard Money Loans in Manteca
Hard money lenders care about the property, not your W-2. The asset secures the loan. Your credit score matters less than the deal's numbers.
Most lenders want 30-35% equity or a solid down payment. Loan-to-value typically caps around 65-70% of the property's after-repair value.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Manteca.
Manteca sits in San Joaquin County — a corridor where investors are active and deals move fast. Hard money gets you in before a conventional loan even clears underwriting.
This is fix-and-flip and buy-and-hold territory. Asset-based lending fits that playbook exactly.
Hard money lenders care about the property, not your W-2. The asset secures the loan. Your credit score matters less than the deal's numbers.
Hard money lenders are not banks. They're private funds and individual investors with their own underwriting rules. Terms vary wildly between lenders.
SRK CAPITAL works with 200+ wholesale lenders. That reach matters here — hard money terms differ more across lenders than almost any other loan type.
The lender wants to know your exit strategy before anything else. Are you flipping, refinancing into a DSCR loan, or selling? Have a clear answer ready.
Investors who come in with a scope of work and comparable sales close faster and get better terms. Lenders reward prepared borrowers even in hard money.
Bridge loans and hard money are close cousins. Bridge loans often have slightly better terms for cleaner assets. Hard money handles distressed properties that bridge lenders pass on.
DSCR loans are the long-term play. Use hard money to acquire and renovate, then refinance into a DSCR once the property has rental income.
Manteca has older housing stock that needs work. That creates fix-and-flip opportunities — exactly what hard money is built for.
San Joaquin County's rental demand is real. Investors who buy, renovate, and hold can refinance into permanent financing once the property cash flows.
Most hard money loans close in 7-14 days. Speed depends on the lender and how complete your file is at submission.
Many hard money lenders accept scores in the 600s or lower. The property's value and your equity position matter far more.
Yes, but hard money is short-term. Plan to refinance into a DSCR loan once the property is renovated and leased.
ARV means after-repair value — what the property is worth after renovations. Lenders base your loan amount on a percentage of ARV.
Yes. Hard money rates are significantly higher. They're short-term tools, not long-term financing. Rates vary by borrower profile and market conditions.
Yes. We work with private lenders across San Joaquin County. We shop terms across our network to match you with the right lender for your deal.