Loading
Loading
Sunnyvale sits in the heart of Silicon Valley. Property values here are among the highest in California — which makes asset-based lending a real tool for investors moving fast.
Hard money loans are short-term, secured by the property itself. Credit scores and tax returns matter far less than the deal's numbers.
7–14 Days
Typical Close Time
Up to 75%
Max LTV (ARV)
25–35%
Down Payment
6–24 Months
Loan Term
Flexible
Credit Minimum
Hard Money Loans in Sunnyvale
Lenders focus on loan-to-value ratio — typically 65-75% of the property's after-repair value. Your exit strategy matters as much as your entry price.
Most hard money lenders want skin in the game. Expect to bring 25-35% down, plus reserves to cover holding costs.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Sunnyvale.
Sunnyvale sits in the heart of Silicon Valley. Property values here are among the highest in California — which makes asset-based lending a real tool for investors moving fast.
Hard money loans are short-term, secured by the property itself. Credit scores and tax returns matter far less than the deal's numbers.
Lenders focus on loan-to-value ratio — typically 65-75% of the property's after-repair value. Your exit strategy matters as much as your entry price.
Hard money lenders are private — not banks. Rates and terms vary wildly. A broker with access to multiple private lenders finds better pricing than going direct.
In Santa Clara County, lenders get comfortable with high-value properties. But every lender underwrites differently. We shop across 200+ wholesale sources to find the right fit.
The deal structure matters more than anything. Lenders want to see your purchase price, rehab budget, ARV, and how you plan to exit — all before they look at you.
Sunnyvale fix-and-flip timelines are tight. Homes move fast here. A hard money loan can close in 7-14 days. That speed is the whole point.
A DSCR loan works when you're holding a property long-term. Hard money is for the acquisition and renovation phase — then you refi out or sell.
Bridge loans cover similar ground but often require more documentation. Hard money moves faster with fewer conditions. For competitive Sunnyvale deals, that difference wins or loses the bid.
Sunnyvale properties rarely sit long. Investors competing here need financing that can close before the next offer arrives. Hard money fills that gap.
Santa Clara County's high property values mean loan amounts can be substantial. That narrows the private lender pool. Working with a broker who knows which lenders handle large balances saves real time.
Most hard money loans close in 7-14 days. That speed is the main reason investors use them in competitive markets like Sunnyvale.
There's no strict minimum. Lenders care far more about the property's value and your exit plan than your credit score.
Terms usually run 6-24 months. These are short-term loans meant to bridge acquisition and renovation, not long-term holds.
Yes — that's the primary use case. Lenders fund the purchase and can include a rehab draw schedule in the loan structure.
Most investors either sell the property or refinance into a DSCR or conventional loan to pay off the hard money balance.
Yes, significantly. The tradeoff is speed and flexibility. Rates vary by lender and borrower profile — market conditions apply.