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Suisun City sits in Solano County — one of the Bay Area's more affordable corridors. Investors have been eyeing it for fix-and-flip and rental plays.
Hard money loans fund fast. That speed matters when a distressed property hits the market and conventional financing would take 45+ days.
12–24 Months
Typical Loan Term
Up to 75% of ARV
Max Loan-to-ARV
Asset-Based Approval
Credit Flexibility
7–14 Days
Typical Close Time
200+ Wholesale Lenders
Lender Network
Hard Money Loans in Suisun City
Hard money lenders care about the property first. They look at the after-repair value (ARV) — what the property is worth after renovation.
Most lenders fund 65–75% of ARV. Your experience as an investor and an exit strategy matter more than your tax returns.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Suisun City.
Suisun City sits in Solano County — one of the Bay Area's more affordable corridors. Investors have been eyeing it for fix-and-flip and rental plays.
Hard money loans fund fast. That speed matters when a distressed property hits the market and conventional financing would take 45+ days.
Hard money lenders care about the property first. They look at the after-repair value (ARV) — what the property is worth after renovation.
Hard money lenders are private or semi-institutional. Banks don't offer these. You're dealing with funds, family offices, or individual investors.
Not every hard money lender covers Suisun City. Some restrict to major metros. Working with a broker who has access to 200+ wholesale lenders changes your options.
The rate matters less than the draw schedule on a rehab deal. A lender who slow-walks draws can kill your project timeline.
Always ask about prepayment penalties. Hard money loans are short-term by design — you don't want to pay a penalty for paying off early.
DSCR loans are better for stabilized rentals. Hard money is for acquisition and renovation — then you refinance into a DSCR or sell.
Bridge loans overlap with hard money but often have stricter requirements. For heavy rehab in Suisun City, hard money is usually the cleaner path.
Suisun City has older housing stock. That creates real opportunity for investors who can renovate and reposition properties.
Solano County is between Sacramento and San Francisco. That commuter appeal drives rental demand — a solid backdrop for your exit strategy.
Many hard money lenders close in 7–14 days. Speed depends on how quickly you deliver the property details and your scope of work.
Credit matters less than the deal. Lenders focus on the property's value and your exit plan — not your W-2 or credit score.
Most run 12–24 months. They're designed to be short — you renovate, then sell or refinance into a long-term loan.
Yes, but it's expensive long-term. Buy and rehab with hard money, then refinance into a DSCR loan once the property is stabilized.
ARV is after-repair value — what your property is worth post-renovation. Lenders base your loan amount on this number.
Typically 2–4 points upfront, plus higher interest rates than conventional loans. Rates vary by borrower profile and market conditions.