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Tulare is a working agricultural hub in the San Joaquin Valley. Investment properties here are priced well below coastal California — which makes hard money viable even on tight margins.
Fix-and-flip and buy-and-hold deals both work in this market. Hard money gets you in the door before a conventional buyer can even get pre-approved.
7–14 Days
Typical Close Time
25–35%
Typical Down Payment
Asset-Based
Credit Focus
Investors & LLCs
Borrower Type
6–24 Months
Loan Term
Hard Money Loans in Tulare
Hard money lenders underwrite the asset, not the borrower. Your credit score matters less than the property's after-repair value (ARV) and your exit strategy.
Most lenders want 25–35% equity or down payment. You also need a clear plan — flip, refinance, or hold — before they fund.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Tulare.
Tulare is a working agricultural hub in the San Joaquin Valley. Investment properties here are priced well below coastal California — which makes hard money viable even on tight margins.
Fix-and-flip and buy-and-hold deals both work in this market. Hard money gets you in the door before a conventional buyer can even get pre-approved.
Hard money lenders underwrite the asset, not the borrower. Your credit score matters less than the property's after-repair value (ARV) and your exit strategy.
Hard money is not regulated like conventional lending. Rates, fees, and terms vary wildly. One lender's 'standard deal' can cost you twice what another charges.
SRK CAPITAL works with 200+ wholesale lenders — including hard money shops that actually know Tulare County. We match the deal to the lender, not the other way around.
The biggest mistake investors make? Treating hard money like a long-term loan. This is a bridge. You need a refi or sale date in mind before you close.
In Tulare, low purchase prices can make points and fees feel heavy relative to the loan. Run your full cost of capital before you commit to any deal.
DSCR loans are cheaper and longer-term — but they take 3–4 weeks and require the property to cash flow. Hard money closes fast on properties that aren't rentable yet.
Bridge loans overlap with hard money but are often used for cleaner assets. If the property needs heavy rehab, hard money is usually the right tool.
Tulare County has a mix of single-family residential and agricultural parcels. Hard money lenders are comfortable with SFR and small multifamily — raw land and ag land is harder to fund.
As of April 2026, deal flow in the Central Valley remains active. Investors targeting distressed SFR in Tulare can move fast with hard money before retail buyers catch up.
Most deals close in 7–14 days. Appraisal and title are the main timeline drivers in Tulare County.
Credit matters less than the deal. Lenders focus on the property value and your exit plan, not your FICO.
SFR and small multifamily fund most easily. Agricultural land and raw parcels require niche hard money lenders.
Rates vary by borrower profile and market conditions. Hard money runs higher than conventional — price it into your deal before you commit.
Yes. Fix-and-flip is the most common hard money use case. Lenders underwrite based on ARV and your rehab scope.
Yes — most hard money lenders prefer it. Holding the property in an LLC is standard for California investors.