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Rohnert Park sits in Sonoma County — a market where investor opportunities move fast. Hard money loans are built for exactly that speed.
These are asset-based loans. The property value drives approval, not your tax returns or W-2s.
6–24 months
Typical Loan Term
620+ preferred
Min Credit Score
Up to 75% ARV
Max LTV (ARV-based)
7–14 days
Typical Close Time
Non-QM / Asset-Based
Loan Type
Hard Money Loans in Rohnert Park
Hard money lenders care about one thing first: the deal. They look at the property's current value and its after-repair value (ARV).
Credit matters less here. Most lenders want a 620+ score, but strong deals can close with lower. Experience as an investor helps too.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Rohnert Park.
Rohnert Park sits in Sonoma County — a market where investor opportunities move fast. Hard money loans are built for exactly that speed.
These are asset-based loans. The property value drives approval, not your tax returns or W-2s.
Hard money lenders care about one thing first: the deal. They look at the property's current value and its after-repair value (ARV).
Hard money isn't offered at your local bank. These loans come from private lenders and specialty funds — not retail channels.
At SRK CAPITAL, we work with 200+ wholesale lenders. That includes hard money sources who know the Sonoma County market.
The biggest mistake investors make: waiting too long to get pre-approved. Sellers in Sonoma County won't wait for you to shop lenders.
Know your exit strategy before you close. Hard money is short-term — usually 6 to 24 months. Refinance into a DSCR or sell before the term ends.
Bridge loans are similar but often require more income documentation. Hard money is faster and more flexible for fix-and-flip deals.
DSCR loans are better for stabilized rentals. Hard money wins when the property needs work before it can generate rent.
Rohnert Park is a dense suburban market in Sonoma County. Older housing stock means rehab opportunities — and hard money is the tool for those deals.
Sonoma County has strict permitting timelines. Factor that into your rehab schedule. Lenders will ask about your project timeline.
Many hard money deals close in 7–14 days. The exact timeline depends on the lender and how quickly you provide property details.
Most lenders go up to 65–75% of ARV. The stronger the deal and borrower, the higher they'll go.
Yes, but it's short-term. Most investors refinance into a DSCR loan once the property is stabilized and rented.
They check it, but it's not the deciding factor. The property value and your exit strategy matter more.
Hard money rates run higher than conventional loans. Rates vary by borrower profile and market conditions.
It's one of the most common uses. Speed of close and flexibility on property condition make it the go-to for flippers.