Question 1

How fast can a hard money loan close in Ceres?

Accepted Answer

Many hard money deals close in 7 to 14 days. The property appraisal and title work set the pace — not underwriting.

Question 2

What credit score do I need for hard money?

Accepted Answer

Many lenders will go down to 600 or lower. The deal quality matters more than your score.

Question 3

Can I use hard money to buy and flip in Stanislaus County?

Accepted Answer

Yes — fix-and-flip is the most common use case. Just make sure your after-repair value supports the loan amount.

Question 4

What's the typical loan term for hard money in California?

Accepted Answer

Most terms run 6 to 24 months. Extensions are sometimes available, but expect added fees.

Question 5

Are hard money rates higher than conventional loans?

Accepted Answer

Yes, significantly. Rates vary by borrower profile and market conditions, but hard money is priced for speed and flexibility — not long-term holds.

Question 6

Can I refinance a hard money loan into a DSCR loan?

Accepted Answer

That's a common exit strategy. Once the property stabilizes or rehab is done, a DSCR refi can replace the hard money debt.

Hard Money Loans in Ceres, CA — Fast Capital for Real Estate Investors