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Palo Alto is one of the most expensive real estate markets in the country. Speed and certainty matter more here than rate.
Hard money loans are asset-based. The property's value drives approval — not your tax returns or W-2s.
6 – 24 Months
Typical Loan Term
Up to 75% LTV
Max Loan-to-Value
Collateral-Driven
Credit Flexibility
As Fast as 5 Days
Closing Speed
Interest-Only
Rate Type
Hard Money Loans in Palo Alto
Most hard money lenders want 25-35% equity or down payment. The loan-to-value ratio is what they underwrite to.
Credit matters less here. A strong deal with solid collateral can get funded even with bruised credit.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Palo Alto.
Palo Alto is one of the most expensive real estate markets in the country. Speed and certainty matter more here than rate.
Hard money loans are asset-based. The property's value drives approval — not your tax returns or W-2s.
Most hard money lenders want 25-35% equity or down payment. The loan-to-value ratio is what they underwrite to.
Hard money lenders are private — not banks. They set their own rules, rates, and fee structures.
We work with 200+ wholesale lenders, including private capital sources that specialize in Bay Area investor deals.
In Palo Alto, your exit strategy is everything. Lenders want to know how you're paying this off — sale or refinance.
Fix-and-flip math works differently at this price point. Run your numbers tight before you commit to a hard money draw.
DSCR loans offer longer terms and lower rates — but require a stabilized, rent-producing property.
Bridge loans look similar but often have stricter underwriting. Hard money moves faster with less friction.
Palo Alto sits in Santa Clara County, where property values support large loan amounts. That helps collateral math.
Permitting in Palo Alto is complex. Factor entitlement timelines into your loan term when buying to renovate.
Many hard money deals close in 5-10 business days. Speed depends on title, appraisal, and lender review.
Most lenders fund single-family, multi-family, and mixed-use properties. Raw land is harder to finance.
Credit matters less than collateral. A strong LTV position and solid exit strategy carry more weight.
Most run 6 to 24 months with interest-only payments. Rates vary by borrower profile and market conditions.
Yes — fix-and-flip is the most common use case. Lenders will want to see your renovation scope and resale plan.
Both are short-term. Hard money typically has more flexible underwriting and faster funding than bridge loans.