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Patterson sits in Stanislaus County's Central Valley — a real estate pocket investors often overlook. That's exactly why the deals are there.
Hard money loans are asset-based. The property's value drives approval, not your tax returns or W-2s.
6–24 months
Typical Loan Term
25–35%
Down Payment
Low — asset-based
Credit Focus
As fast as 7 days
Close Time
Varies by lender
Rate Type
Hard Money Loans in Patterson
Lenders focus on the property's after-repair value (ARV). Your credit score matters less than the deal itself.
Most hard money loans require 25–35% equity or down payment. You need skin in the game.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Patterson.
Patterson sits in Stanislaus County's Central Valley — a real estate pocket investors often overlook. That's exactly why the deals are there.
Hard money loans are asset-based. The property's value drives approval, not your tax returns or W-2s.
Lenders focus on the property's after-repair value (ARV). Your credit score matters less than the deal itself.
Hard money lenders are private — not banks. Terms vary wildly between lenders. Rates vary by borrower profile and market conditions.
At SRK CAPITAL, we work with 200+ wholesale lenders. We find the ones who actually understand Central Valley investment properties.
The biggest mistake investors make? Waiting for a conventional loan on a distressed property. Banks won't touch most fix-and-flip deals.
Hard money fills that gap. Use it to acquire and renovate, then refinance into a DSCR or conventional loan once the property is stabilized.
Bridge loans are similar but often used for stabilized properties. Hard money works on properties in rough shape.
DSCR loans are long-term rental financing. Hard money is short-term. Know which tool fits which job.
Patterson has older housing stock alongside newer subdivisions. Both create opportunities — flips on aged homes, BRRRRs on distressed rentals.
Stanislaus County investors compete with Bay Area buyers priced out of their home markets. Speed to close is your edge. Hard money delivers that.
Many hard money loans close in 7–14 days. Speed depends on the lender and how quickly the property appraises.
Single-family, multi-unit, and mixed-use investment properties typically qualify. Primary residences are usually excluded.
Credit is reviewed but not the deciding factor. The property's value and your exit strategy matter most to lenders.
Most terms run 6–24 months. These are short-term instruments — plan your exit before you borrow.
Yes. Many hard money loans include a draw schedule for renovation costs. Funds release as work is completed.
Construction loans fund ground-up builds. Hard money typically covers acquisition and rehab of existing structures.