Question 1

How fast can a hard money loan close in Dunsmuir?

Accepted Answer

Many hard money loans close in 7–14 days. Rural properties may take slightly longer due to appraisal scheduling.

Question 2

What loan-to-value ratio do hard money lenders require?

Accepted Answer

Most lenders cap LTV at 65–70%. You'll need a meaningful down payment or existing equity.

Question 3

Can I use hard money to buy a fixer-upper in Dunsmuir?

Accepted Answer

Yes — that's a common use case. Lenders fund acquisition and sometimes renovation costs in a single loan.

Question 4

What happens if I can't pay off the loan at maturity?

Accepted Answer

Extensions exist but cost more. Have your exit strategy locked before you close — not after.

Question 5

Do hard money lenders care about my income?

Accepted Answer

Not much. They're lending against the asset. Strong collateral and a clear exit plan carry the most weight.

Hard Money Loans in Dunsmuir, CA