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Santa Clara sits at the heart of Silicon Valley. Property values here are high, competition is fierce, and deals move fast.
Hard money loans are built for speed. When a fix-and-flip or off-market deal needs to close in days, not weeks, this is the tool.
7-14 Days
Typical Close Time
Up to 70%
Max LTV
Asset-Based
Credit Flexibility
6-24 Months
Loan Term
Invest & Rehab
Loan Purpose
Hard Money Loans in Santa Clara
Hard money lenders care about the property first. Your credit score matters less than the asset's value and your exit strategy.
Most lenders want a loan-to-value (LTV) below 70%. That means you bring equity — either cash down or existing equity in the deal.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Santa Clara.
Santa Clara sits at the heart of Silicon Valley. Property values here are high, competition is fierce, and deals move fast.
Hard money loans are built for speed. When a fix-and-flip or off-market deal needs to close in days, not weeks, this is the tool.
Hard money lenders care about the property first. Your credit score matters less than the asset's value and your exit strategy.
Most banks won't touch hard money. You need private lenders or bridge-focused wholesale shops — that's where a broker adds real value.
SRK CAPITAL works with 200+ wholesale lenders. We find the ones who know Santa Clara's investor market and move at Silicon Valley speed.
The biggest mistake investors make is shopping hard money on rate alone. Terms, prepayment penalties, and draw schedules matter more on a rehab deal.
In Santa Clara, your after-repair value (ARV) needs to be airtight. Lenders here will scrutinize comps — pull weak numbers and they'll pull funding.
DSCR loans are cheaper and longer-term but take 3-4 weeks to close. Hard money wins when the deal has a deadline.
Bridge loans overlap with hard money but often have stricter property requirements. For raw fix-and-flip work, hard money is usually the cleaner fit.
Santa Clara's dense, built-out market means fewer distressed properties — but they exist. Probate sales, off-market estates, and dated rentals are common targets.
Tech-sector volatility can shift Santa Clara values quickly. Your lender's ARV model needs to account for that. Ours do.
Most hard money deals close in 7-14 days. Speed depends on appraisal and title turnaround in Santa Clara County.
Credit is reviewed but rarely the deciding factor. The property value and your exit strategy carry more weight with most lenders.
Single-family, multi-family, and mixed-use properties commonly qualify. Lender appetite varies — we match you to the right one.
Most terms run 6-24 months. These are short-term tools — not long-term holds.
Yes. That's a common exit strategy. Stabilize the property, then refi into a DSCR loan for long-term hold.
LTV is your loan amount divided by the property value. Most hard money lenders in CA cap it at 65-70%.