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Vacaville sits between Sacramento and the Bay Area. That corridor draws investors hunting for deals before prices fully catch up.
Hard money loans are asset-based. The lender cares about the property's value — not your tax returns or W-2s.
6–24 months
Typical Loan Term
25–35%
Typical Down Payment
Deal-driven
Credit Flexibility
Property value
Approval Basis
7–14 days
Est. Close Time
Hard Money Loans in Vacaville
Most hard money lenders want to see 25-35% equity or down payment. Your exit strategy matters as much as your credit score.
You need a clear plan — flip, refinance, or sell. Lenders approve deals, not borrowers.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Vacaville.
Vacaville sits between Sacramento and the Bay Area. That corridor draws investors hunting for deals before prices fully catch up.
Hard money loans are asset-based. The lender cares about the property's value — not your tax returns or W-2s.
Most hard money lenders want to see 25-35% equity or down payment. Your exit strategy matters as much as your credit score.
Hard money lenders are private — not banks. Terms vary wildly from one lender to the next.
We work with 200+ wholesale lenders. That means we can match your deal to a lender who actually funds projects like yours.
The biggest mistake investors make: shopping price alone. A cheap rate with a slow close kills deals in competitive markets.
Speed and certainty of funding often matter more than rate. In Vacaville, good properties move fast.
Bridge loans work similarly but often require stronger borrower profiles. Hard money is more flexible on credit and income.
DSCR loans are better for stabilized rentals. Hard money is built for short-term acquisitions and repositioning plays.
Vacaville has a mix of older homes and newer developments. Older inventory often needs work — that's where hard money shines.
Solano County is one of the more affordable Bay Area-adjacent markets. Investors chasing value have been active here for years.
Many hard money deals close in 7-14 days. Speed depends on the lender and how quickly you provide property details.
Some do, some don't. Most care more about the deal than your score. A strong property can offset weak credit.
Yes, but hard money is short-term. Most investors refinance into a DSCR loan once the property stabilizes.
Most lenders fund single-family, multi-family, and mixed-use properties. Vacant land is harder to finance this way.
The lender can foreclose. Hard money terms are strict — you need a solid exit strategy before you close.