Question 1

How fast can I close a hard money loan in Windsor?

Accepted Answer

Most lenders close in 7-12 days once the appraisal is complete. All-cash equivalent speed, but you keep your liquidity for the rehab.

Question 2

What credit score do I need for hard money in Sonoma County?

Accepted Answer

Many lenders approve with scores as low as 580-600. They're underwriting the property's value and your exit plan, not your credit history.

Question 3

Can I use hard money for a property that needs major foundation work?

Accepted Answer

Yes, that's exactly when hard money makes sense. Conventional lenders won't touch properties with serious structural issues until repairs are complete.

Question 4

What happens if my Windsor flip takes longer than expected?

Accepted Answer

Most lenders offer 6-month extensions at 1-2 points plus ongoing interest. Build this cost into your budget from the start.

Question 5

Do I need contractor experience to get approved?

Accepted Answer

First-time flippers get approved but expect stricter terms—higher down payment or lower LTV. Partnering with an experienced investor helps.

Hard Money Loans in Windsor: Fast Funding for Sonoma County Fix-and-Flips