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Anderson sits in Shasta County — a market where investors can still find distressed properties worth flipping. Hard money moves fast enough to compete.
Traditional banks won't touch most fix-and-flip deals here. Hard money fills that gap with speed and flexibility most lenders can't offer.
5–10 Business Days
Typical Close Time
65–75% of ARV
Max LTV
Asset-Based
Credit Focus
6–24 Months
Loan Term
Invest & Rehab
Loan Purpose
Hard Money Loans in Anderson
Hard money lenders care about the asset first. Your credit score matters less than the property's value and your exit strategy.
Most lenders want 25-35% equity in the deal. A clear plan — flip, refinance, or sell — is what gets you approved.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Anderson.
Anderson sits in Shasta County — a market where investors can still find distressed properties worth flipping. Hard money moves fast enough to compete.
Traditional banks won't touch most fix-and-flip deals here. Hard money fills that gap with speed and flexibility most lenders can't offer.
Hard money lenders care about the asset first. Your credit score matters less than the property's value and your exit strategy.
Hard money lenders are not retail banks. They're private funds and individual investors — each with different appetites for risk.
SRK CAPITAL works with 200+ wholesale lenders, including hard money sources that actively fund deals in Shasta County.
The deals that kill hard money loans are bad ARV estimates. Lenders base everything on after-repair value — get that wrong and you're done.
Bring a realistic scope of work and a contractor lined up. Lenders fund faster when you look like a pro, not a first-timer.
A DSCR loan is cheaper long-term but takes 3-4 weeks to close. Hard money closes in days when a deal won't wait.
Bridge loans offer similar speed. The difference is structure — hard money is more flexible on property condition and borrower profile.
Anderson has older housing stock. Many properties need significant rehab — exactly the deal type hard money was designed for.
Shasta County values are lower than coastal California. That keeps loan amounts manageable and LTV math easier to hit.
Most hard money deals close in 5-10 business days. Having your property details and exit strategy ready speeds things up.
Credit matters less than the deal. Lenders focus on the property's value and your plan to repay or refinance.
Fix-and-flip properties, distressed homes, and non-warrantable assets all qualify. The asset value drives approval, not property condition.
Expect 6-24 month terms with interest-only payments. Rates vary by borrower profile and market conditions.
Yes. Many hard money programs include renovation draws built into the loan. Your contractor and scope of work will be reviewed.