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Sonoma wine country attracts serious real estate investors. Properties here move fast, and sellers don't wait for slow bank approvals.
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%
Down Payment
Deal Over Score
Credit Focus
None
Income Docs Required
7 – 14 Days
Typical Close Time
Hard Money Loans in Sonoma
Most hard money lenders want 25-35% equity or down payment. Your credit score matters less than the deal itself.
Lenders evaluate the after-repair value (ARV) — what the property is worth after renovations. A strong deal can overcome weak credit.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Sonoma.
Sonoma wine country attracts serious real estate investors. Properties here move fast, and sellers don't wait for slow bank approvals.
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 25-35% equity or down payment. Your credit score matters less than the deal itself.
Hard money lenders are private — not banks. We work with 200+ wholesale lenders, including private capital sources active in Sonoma County.
Rates and terms vary widely across lenders. Shopping multiple sources is how you avoid getting gouged on points and fees.
Sonoma wine country deals often involve older homes needing full gut renovations. Lenders here want a realistic rehab budget — not a best-case estimate.
Get your scope of work detailed before you apply. Vague numbers slow down approvals and spook private lenders.
Bridge loans serve a similar purpose but often have slightly better rates. If you own a property to cross-collateralize, ask about that structure.
DSCR loans work better for stabilized rentals. Hard money is for acquisition and value-add — once you've renovated and leased, refinance into DSCR.
Sonoma County has strict permitting rules. Unpermitted work on wine country properties can kill your exit strategy — budget time for permits.
Wildfire risk affects appraisals and insurance in this area. Some lenders require proof of insurable coverage before funding.
Many deals close in 7-14 days. Speed depends on how quickly you supply the property details and rehab budget.
Single-family, multi-family, and mixed-use properties typically qualify. Lenders evaluate each deal individually.
Credit score is not the deciding factor. Lenders focus on the property value and your exit strategy.
Yes. Fix-and-flip acquisitions are the most common use case. Lenders often fund both purchase and rehab costs.
ARV is the estimated value after renovations are complete. Lenders cap your loan as a percentage of ARV.
Once renovated and leased, refinance into a DSCR loan. That's the standard exit for Sonoma rental investors.