Question 1

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

Accepted Answer

Most hard money lenders close in 7-14 days once they approve the deal. You need a solid purchase contract and property details ready upfront.

Question 2

What credit score do I need for hard money financing?

Accepted Answer

Lenders approve scores as low as 600 if the property and exit strategy are strong. Your experience matters more than credit history.

Question 3

Can I use hard money to buy a primary residence?

Accepted Answer

Hard money is designed for investment properties and short-term holds. Primary residence financing requires conventional, FHA, or other long-term loan programs.

Question 4

What's the typical LTV on South San Francisco fix-and-flips?

Accepted Answer

Expect 65-75% LTV based on after-repair value. Your down payment covers the gap between purchase price and loan amount.

Question 5

Do hard money lenders fund renovation costs?

Accepted Answer

Many lenders hold renovation funds in escrow and release them as work completes. You'll need reserves to cover initial costs before draws.

Hard Money Loans in South San Francisco — Fast Capital for Investors