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San Jose is one of the most competitive real estate markets in California. Deals move fast, and conventional financing often can't keep up.
Hard money fills that gap. Asset-based approval means you can close in days, not weeks — critical when competing for off-market flips and distressed properties.
7–14 Days
Typical Close Time
65–70%
Max LTV
Flexible / 550+
Min Credit Score
6–24 Months
Loan Term
Usually None
Income Docs Required
1–4% Typical
Origination Points
Hard Money Loans in San Jose
Hard money lenders care about the asset, not your tax returns. The property's value — and your exit strategy — drive the approval decision.
Most lenders want 30–35% equity in the deal. That means your loan-to-value (LTV) stays under 65–70%. Credit matters less, but it still gets looked at.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in San Jose.
San Jose is one of the most competitive real estate markets in California. Deals move fast, and conventional financing often can't keep up.
Hard money fills that gap. Asset-based approval means you can close in days, not weeks — critical when competing for off-market flips and distressed properties.
Hard money lenders care about the asset, not your tax returns. The property's value — and your exit strategy — drive the approval decision.
Hard money is not a regulated product the way FHA or conventional loans are. Terms vary wildly between lenders. Rates, points, prepayment penalties — all negotiable.
We work with 200+ wholesale lenders, including private capital shops that specialize in Bay Area investment deals. Not every lender understands Silicon Valley pricing. Ours do.
The biggest mistake investors make is waiting too long to call. Hard money moves fast, but you still need a lender who knows your deal type.
In San Jose, most hard money deals involve fix-and-flip or land acquisition. Know your after-repair value (ARV) before you call — lenders underwrite to that number.
Hard money is not the only option for investors. DSCR loans offer longer terms and lower rates — but require the property to generate rental income.
Bridge loans are similar but usually cheaper. Construction loans work better for ground-up builds. Hard money wins on speed and flexibility when a deal needs to close now.
Santa Clara County property values are high. That works in your favor with hard money — more equity means more borrowing power on the right deal.
San Jose also has a strong contractor base and active investor community. Lenders who work this market regularly understand rehab timelines and resale comps here.
Most hard money loans close in 7–14 days. Speed depends on property appraisal and how quickly you provide deal details.
Credit matters less than the deal itself. Some lenders approve borrowers below 600 if the property equity is strong.
Most hard money lenders in California cap LTV at 65–70%. Higher equity means a stronger approval position.
Yes — fix-and-flip is the most common use case. Lenders will underwrite to the after-repair value of the property.
You sell, refinance into a DSCR or conventional loan, or pay it off. You need a clear exit strategy before funding.
Expect higher rates than conventional loans plus 1–4 origination points. Rates vary by borrower profile and market conditions.