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Ventura's coastal market attracts serious investors. Fix-and-flip and buy-and-hold deals both show up here regularly.
Hard money fills a gap conventional lenders won't touch — fast closings, distressed properties, and short-term holds.
9%–14%+ (varies)
Typical Rate Range
6–24 months
Avg. Loan Term
60–70% of ARV
Typical LTV Max
Property value
Primary Qualifier
Flexible, deal-driven
Credit Flexibility
Hard Money Loans in San Buenaventura
Hard money is asset-based. The property value drives approval — not your W-2 or tax returns.
Most lenders look for 30–40% equity or down payment. Your exit strategy matters as much as your credit score.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in San Buenaventura.
Ventura's coastal market attracts serious investors. Fix-and-flip and buy-and-hold deals both show up here regularly.
Hard money fills a gap conventional lenders won't touch — fast closings, distressed properties, and short-term holds.
Hard money is asset-based. The property value drives approval — not your W-2 or tax returns.
Hard money lenders are not banks. They're private funds and individuals with their own underwriting rules.
Rates and terms vary wildly across lenders. Shopping across multiple sources is the only way to avoid overpaying.
Investors in Ventura County often compete with cash buyers. Hard money gets you to close in days, not weeks.
Watch your hold costs. Hard money rates run higher than conventional. Every month you hold eats into your margin.
Bridge loans and hard money overlap, but hard money typically funds faster with fewer conditions attached.
DSCR loans offer better long-term rates once a property is stabilized. Hard money gets you in — DSCR gets you refinanced out.
Ventura's coastal and hillside properties can complicate appraisals. Lenders want clean comps and realistic ARV estimates.
San Buenaventura has older housing stock. Renovation loans are common here. Know your contractor timeline before you close.
Many hard money deals close in 7–14 days. Speed depends on property condition and how quickly you provide documentation.
Credit matters less here than with conventional loans. Lenders focus on the deal — property value and your equity position.
Most run 6–24 months. These are short-term tools, not permanent financing.
Hard money is designed for investment properties. Owner-occupied purchases face stricter federal lending rules.
ARV means after-repair value — what the property is worth after renovation. Lenders base loan amounts on ARV, not purchase price.
Lenders release funds in stages tied to completed work. You draw money as each renovation phase is finished and inspected.