Question 1

How fast can I close a hard money loan in Davis?

Accepted Answer

Most hard money deals close in 7-14 days. The property appraisal and title work are the main timeline drivers.

Question 2

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

Accepted Answer

Many lenders approve below 620. The property value and your equity in the deal carry more weight than your score.

Question 3

Can I use hard money to buy a Davis rental property?

Accepted Answer

Yes, but hard money is short-term. Plan to refinance into a DSCR or conventional loan once the property is stabilized.

Question 4

What loan-to-value do hard money lenders allow in Yolo County?

Accepted Answer

Most lenders cap at 65-75% LTV in this market. Rates vary by borrower profile and market conditions.

Question 5

Are hard money loans available for fix-and-flip projects in Davis?

Accepted Answer

Fix-and-flip is the core use case. Lenders fund the purchase and often advance rehab draws as work is completed.

Hard Money Loans in Davis, CA — Fast Capital for Investors