Loading
Loading
Los Gatos sits in one of the most competitive corners of Santa Clara County. Investors here move fast — and hard money lets them close in days, not months.
Fix-and-flip projects and short-term acquisitions drive most hard money demand here. Asset value does the heavy lifting, not your tax returns.
7-14 Days
Typical Close Time
65-70%
Max LTV
6-24 Months
Loan Term
Rarely
Income Docs Required
High
Credit Flexibility
Hard Money Loans in Los Gatos
Hard money lenders care about one thing first: the property. Your credit score matters less than the deal's numbers.
Most lenders want a loan-to-value (LTV) — what you borrow vs. what the property is worth — at or below 65-70%. Strong equity protects both sides.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Los Gatos.
Los Gatos sits in one of the most competitive corners of Santa Clara County. Investors here move fast — and hard money lets them close in days, not months.
Fix-and-flip projects and short-term acquisitions drive most hard money demand here. Asset value does the heavy lifting, not your tax returns.
Hard money lenders care about one thing first: the property. Your credit score matters less than the deal's numbers.
Hard money lenders aren't banks. They're private funds and individual investors who set their own rules. Terms vary wildly from lender to lender.
SRK CAPITAL works with 200+ wholesale lenders. For hard money in Los Gatos, that access means we can match your deal to the right capital — not just the nearest option.
Los Gatos properties carry serious price tags. That high collateral value can actually work in your favor with hard money lenders.
The exit strategy is everything. Lenders want to know how you're paying this off — refinance, sale, or cash. Have that answer before you apply.
Bridge loans are the closest cousin to hard money. They're also short-term and asset-based, but often carry slightly lower rates and longer terms.
DSCR loans — which qualify based on rental income, not personal income — are a better long-term fit for buy-and-hold investors. Hard money is the sprint; DSCR is the marathon.
Santa Clara County's high property values mean hard money loans here often exceed $1M. Not every lender is set up for that. You need one who is.
Los Gatos has strict permit and zoning rules. Renovation projects need a clear scope of work before a lender will fund draws on a rehab deal.
Most hard money loans close in 7-14 days. Speed depends on how quickly the lender can appraise the property and review your deal.
Not necessarily. Lenders focus on property value and your exit plan. Poor credit won't automatically disqualify you.
Most cap LTV at 65-70%. In Los Gatos, strong property values often support larger loan amounts within those limits.
Yes — that's one of the most common uses. Lenders will want a clear scope of work and realistic resale comps for the area.
Terms usually run 6-24 months. Rates and points vary by lender and deal — rates vary by borrower profile and market conditions.
They're similar, but bridge loans often have slightly lower rates and stricter underwriting. Hard money moves faster and is more flexible.