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Gilroy sits at the southern edge of Santa Clara County. Investors here compete for fix-and-flip opportunities in a market where speed closes deals.
Hard money loans are asset-based. The property value drives approval — not your tax returns or W-2s.
6 – 24 Months
Typical Loan Term
65% – 75%
Typical LTV
Deal First
Credit Focus
Asset Value
Approval Basis
7 – 14 Days
Closing Speed
Hard Money Loans in Gilroy
Hard money lenders look at the deal first. They want to know the property value, your exit strategy, and how much skin you have in the game.
Most lenders want 25-35% equity or down payment. Credit score matters less here — but a history of completed projects helps your terms.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Gilroy.
Gilroy sits at the southern edge of Santa Clara County. Investors here compete for fix-and-flip opportunities in a market where speed closes deals.
Hard money loans are asset-based. The property value drives approval — not your tax returns or W-2s.
Hard money lenders look at the deal first. They want to know the property value, your exit strategy, and how much skin you have in the game.
Hard money lenders are not banks. They are private capital groups and specialty funds with their own underwriting rules.
SRK CAPITAL works with 200+ wholesale lenders, including hard money sources active in Santa Clara County. We match your deal to the right capital.
The biggest mistake investors make is shopping hard money by rate alone. Points, prepayment penalties, and draw schedules matter just as much.
Gilroy deals often involve rehab budgets. Make sure your lender funds draws quickly — a slow draw process kills your project timeline.
Bridge loans are similar but typically used for stabilized properties between financing events. Hard money fits heavier value-add plays.
DSCR loans work better for buy-and-hold investors. Hard money is short-term by design — usually 6 to 24 months. Plan your refinance before you close.
Gilroy's location on Highway 101 makes it a corridor for investors priced out of San Jose and Morgan Hill. Value-add inventory still exists here.
Santa Clara County permit timelines can affect your rehab schedule. Factor that into your loan term when structuring the deal.
Many hard money loans close in 7-14 days. Speed depends on title, appraisal, and how clean your paperwork is.
Credit matters less than the deal itself. Lenders focus on property value and your equity position, not your credit score.
Most hard money loans run 6 to 24 months. Rates vary by borrower profile and market conditions.
Yes — fix-and-flip is the most common use case. Lenders want a clear exit plan, either a sale or refinance.
Your exit strategy is how you repay the loan — usually a sale or refinance. Lenders require it before they fund.
Construction loans fund ground-up builds with phased draws. Hard money works better for acquisitions and light-to-medium rehab.