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Petaluma sits in a supply-constrained corner of Sonoma County. Investors move fast here — hard money gives you that speed.
Fix-and-flip buyers and landlords use these loans to close in days, not months. Conventional financing can't compete on timeline.
7-14 Days
Typical Close Time
65-75%
Max LTV
6-24 Months
Loan Term
Usually Not Required
Income Docs
Typically 2-4%
Lender Points
Hard Money Loans in Petaluma
Hard money lenders care about the property, not your tax returns. Your credit score matters less than the deal's numbers.
Most lenders want 65-75% loan-to-value (LTV — your loan vs. the property's worth). Bring a solid exit strategy.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Petaluma.
Petaluma sits in a supply-constrained corner of Sonoma County. Investors move fast here — hard money gives you that speed.
Fix-and-flip buyers and landlords use these loans to close in days, not months. Conventional financing can't compete on timeline.
Hard money lenders care about the property, not your tax returns. Your credit score matters less than the deal's numbers.
Hard money lenders are private — they're not banks. Terms vary wildly from one lender to the next.
Shopping across 200+ wholesale lenders means we find the rate and term structure that fits your deal, not theirs.
The deals that fall apart aren't the ones with bad credit. They're the ones with weak after-repair value (ARV) estimates.
Get your ARV (what the property is worth after renovation) right before you apply. That number drives everything.
DSCR loans are cheaper and longer-term — but they take 3-4 weeks and require a stabilized rental property.
Hard money wins on speed and flexibility. Use it to acquire and renovate, then refi into a DSCR or conventional loan.
Petaluma has older housing stock with real renovation upside. That makes it a natural fit for fix-and-flip strategies.
Sonoma County's price sensitivity means ARV discipline matters. Overpaying on acquisition kills your margin fast.
Most hard money loans close in 7-14 days. The appraisal is usually the longest step.
Many lenders don't set a hard minimum. The property's value and your exit strategy matter more than your score.
Rates vary by borrower profile and market conditions. Expect significantly higher rates than conventional loans.
Yes, but hard money is short-term. Plan to refinance into a DSCR or conventional loan after stabilizing the property.
They focus on the property's current value and your after-repair value estimate. Your income docs usually aren't required.
Some lenders charge minimum interest periods. Always review prepayment terms before signing — they vary widely.