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Vallejo attracts real estate investors for one reason: price. Solano County offers entry points that the Bay Area proper can't touch.
That price gap creates real opportunity for fix-and-flip and buy-and-hold strategies. Hard money loans are built exactly for that kind of move.
9% – 13%+
Typical Rate Range
7–14 Business Days
Avg Close Time
Up to 65–70%
Max LTV (ARV)
600+ (flexible)
Min Credit Score
Usually None
Income Docs Required
Hard Money Loans in Vallejo
Hard money lenders care about the asset, not your tax returns. Your credit score matters less than the property's value and your exit strategy.
Most lenders want 30-35% equity in the deal — either as a down payment or built-in through a below-market purchase price. Bring a clear plan for payoff or refinance.
Hard money is a fragmented market. Rates and terms swing wildly between lenders. One shop charges 10%, another charges 13% — same deal, same property.
We work with 200+ wholesale lenders including private hard money shops that don't advertise. That reach matters when you're on a 7-day close deadline.
The biggest mistake investors make: waiting too long to line up capital. Hard money is fast, but it still takes 5-10 business days minimum.
Get pre-approved before you're under contract. Know your max loan-to-value and your lender's draw process for rehab funds. Surprises at closing kill deals.
Hard money isn't cheap. Rates run higher than conventional and even most DSCR loans. But speed and flexibility are what you're paying for.
If you can wait 30-45 days and the property cashflows, a DSCR loan is almost always the better long-term play. Hard money is a tool for acquisition and rehab — not a hold strategy.
Vallejo has neighborhoods at different stages of recovery. Lenders evaluate these micro-markets differently — some zip codes get better LTV offers than others.
Solano County appraisers can be conservative on ARV — that's after-repair value, the number your loan is based on. Pad your rehab budget and don't over-project your sale price.
Most hard money deals close in 7-14 business days. Have your property details and exit strategy ready before you call.
Many hard money lenders work with scores as low as 600. The property's value and your equity position matter more than your score.
Yes — that's the primary use case. Rehab funds are typically held in reserve and released in draws as work is completed.
Most lenders go up to 65-70% of ARV in Solano County. Rates vary by borrower profile and market conditions.
Once the property is stabilized or renovated, you refinance into a DSCR or conventional loan. Plan that exit before you close.
Yes, some lenders fund commercial hard money in Solano County. Eligibility and terms differ from residential deals.