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Tehama is a small rural town in Tehama County. That makes it a target for investors hunting undervalued properties at prices you won't find in Sacramento or the Bay Area.
Hard money loans — short-term, asset-based financing — are built for exactly this kind of market. Speed matters more than rate when a deal is sitting in front of you.
7–14 Days
Typical Close Time
6–24 Months
Typical Loan Term
25–35% Required
Down Payment
Under 620 OK
Credit Flexibility
Higher / Short-Term
Rate Type
Hard Money Loans in Tehama
Hard money lenders care about the property, not your W-2. Your credit score matters less than the deal's equity cushion.
Most lenders want 25-35% down or equivalent equity. The property's after-repair value (ARV) is what drives how much you can borrow.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Tehama.
Tehama is a small rural town in Tehama County. That makes it a target for investors hunting undervalued properties at prices you won't find in Sacramento or the Bay Area.
Hard money loans — short-term, asset-based financing — are built for exactly this kind of market. Speed matters more than rate when a deal is sitting in front of you.
Hard money lenders care about the property, not your W-2. Your credit score matters less than the deal's equity cushion.
Most banks won't touch a rural fix-and-flip in Tehama. Hard money lenders operate differently — they send out appraisers and make decisions in days, not weeks.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in Northern California rural investment properties exactly like what you find in Tehama County.
The deals that die in Tehama die because of slow financing. A hard money loan closes in 7-14 days. Conventional loans take 30-45 days — sellers won't wait.
Have your exit strategy locked before you borrow. Lenders want to know: are you flipping or refinancing into a DSCR loan? Vague answers slow down approvals.
Bridge loans are close cousins to hard money — but they're typically for borrowers with stronger credit and stabilized properties. Hard money tolerates more risk.
Once you've renovated and the property cash flows, refinancing into a DSCR loan makes sense. DSCR uses rental income to qualify — no income docs needed.
Tehama County properties are priced well below statewide norms. That lower purchase price means your hard money loan is smaller — and your equity cushion is easier to hit.
Rural appraisals can be tricky. Comps are thin in small towns. Work with a lender whose appraiser has done work in Tehama County before — it speeds everything up.
Most hard money loans close in 7-14 days. The appraisal is usually the longest step in rural areas.
Not necessarily. Hard money lenders focus on the property's value and your equity. Many approve borrowers with credit scores under 620.
Usually 6-24 months. These are short-term loans — you flip the property or refinance before the term ends.
Some lenders do raw land loans, but most prefer improved properties. Options exist — but expect stricter equity requirements.
You sell, refinance into a DSCR loan, or negotiate an extension. Have your exit plan before you close.
Yes, significantly. That's the tradeoff for speed and flexible qualifying. Rates vary by borrower profile and market conditions.