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Cupertino sits in one of the most competitive real estate markets in California. Speed matters here — conventional financing rarely moves fast enough.
Hard money loans are asset-based. The property value drives approval, not your tax returns or W-2s.
7–14 Days
Typical Close Time
65–75%
Max LTV
Flexible (600+)
Min Credit Score
6–24 Months
Loan Term
Usually None
Income Docs Required
Hard Money Loans in Cupertino
Most hard money lenders look at loan-to-value first. Expect to put down 25–35% in a high-value market like Cupertino.
Credit still matters, but a 600 score won't kill your deal. A strong property and solid exit strategy will.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Cupertino.
Cupertino sits in one of the most competitive real estate markets in California. Speed matters here — conventional financing rarely moves fast enough.
Hard money loans are asset-based. The property value drives approval, not your tax returns or W-2s.
Most hard money lenders look at loan-to-value first. Expect to put down 25–35% in a high-value market like Cupertino.
Hard money lenders are private — not banks. Terms vary wildly between lenders, so who you work with matters.
We work with 200+ wholesale and private lenders. In Santa Clara County, that network gives you real options.
Cupertino properties carry high price tags. A bad rate on a hard money loan can eat your entire flip margin.
We've seen deals fall apart because investors grabbed the first lender they found. Rate and fee structure both matter here.
Bridge loans are the closest alternative. They're also short-term, but often require more documentation than hard money.
DSCR loans work better for buy-and-hold investors. Hard money is for acquisition, renovation, and quick exit.
Santa Clara County property values are high. That actually helps — more equity means more leverage for hard money borrowers.
Cupertino's tight inventory means deals move fast. Hard money's quick close is a real competitive edge here.
Many hard money loans close in 7–14 days. That speed is the main reason investors use them in competitive markets.
Most lenders cover single-family, multi-family, and mixed-use. Vacant land is harder to finance and not all lenders will touch it.
Credit matters less than the deal itself. Lenders focus on property value and your exit strategy first.
Most hard money loans run 6–24 months. These are short-term tools — not long-term financing.
Yes. Fix-and-flip is the most common use case. Some lenders will fund purchase and rehab costs together.
Hard money rates are significantly higher. You're paying for speed and flexibility, not the lowest rate. Rates vary by borrower profile and market conditions.