Question 1

What credit score do I need for hard money in Visalia?

Accepted Answer

Most lenders approve with 600+ credit, but some go to 550 if the deal has strong equity. Property value matters more than your score.

Question 2

How long does hard money approval take?

Accepted Answer

We can get approval in 24-48 hours and close in 7-10 days. The property appraisal is usually the longest part of the process.

Question 3

Can I use hard money for rental properties?

Accepted Answer

Yes, but only as short-term financing. Plan to refinance into a DSCR loan within 12 months to lower your rate and extend the term.

Question 4

Do hard money lenders fund renovation costs?

Accepted Answer

Some lenders include rehab funding in the loan. Others require you to pay contractors and get reimbursed after work is inspected and verified.

Question 5

What's the maximum loan-to-value for Visalia properties?

Accepted Answer

Most lenders go to 70% of after-repair value. If you're buying at $200K and it's worth $300K fixed, you can borrow up to $210K.

Hard Money Loans in Visalia: Fast Capital for Real Estate Investors