Loading
Loading
Modesto attracts investors looking for value plays in the Central Valley. Fix-and-flip activity here runs faster than most Bay Area markets.
Hard money fits that pace. Speed and asset-based approval matter more than W-2s and perfect credit.
6 – 24 months
Typical Loan Term
Up to 65-75% ARV
Typical LTV
Asset-based
Credit Focus
5-10 business days
Close Time
Varies by lender
Rate Type
Hard Money Loans in Modesto
Hard money lenders underwrite the property, not you. Your credit score and income take a back seat to the deal.
Lenders typically want 25-35% equity in the deal. A solid exit strategy — sell or refinance — is non-negotiable.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Modesto.
Modesto attracts investors looking for value plays in the Central Valley. Fix-and-flip activity here runs faster than most Bay Area markets.
Hard money fits that pace. Speed and asset-based approval matter more than W-2s and perfect credit.
Hard money lenders underwrite the property, not you. Your credit score and income take a back seat to the deal.
Hard money lenders are private — not banks. Rates and terms vary wildly across them. Rates vary by borrower profile and market conditions.
At SRK CAPITAL, we work with 200+ wholesale lenders, including private hard money sources. We shop terms so you're not stuck with the first quote.
The deals I see fall apart on one thing: underestimating rehab costs. Modesto contractors are busy. Budget a buffer.
Lenders will order their own property valuation. Come in with comparable sales and a realistic ARV — after-repair value — ready.
DSCR loans are cheaper and longer-term. But they take weeks to close and won't fund distressed properties.
Hard money is expensive short-term capital. Use it to acquire and renovate, then refinance into a DSCR or conventional loan.
Stanislaus County has active probate and distressed inventory. That's exactly the deal type hard money is built for.
Modesto's older housing stock means rehab scopes can run deep. Get an inspection before you commit to an ARV.
Many private lenders close in 5-10 business days. Having your purchase contract and property details ready speeds that up.
Most hard money lenders don't have a strict minimum. The property value and your equity position matter far more.
Yes — that's the primary use case. Lenders fund acquisition and rehab draws against the property's after-repair value.
Typical terms run 6 to 24 months. These are short-term bridge loans — not long-term financing.
They're similar. Bridge loans often have slightly better rates and require a stronger borrower profile. Hard money focuses purely on the asset.
Yes, and that's a common exit strategy. Once the property is stabilized and rented, DSCR lenders can pay off the hard money balance.