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Davis is a tight, high-demand college town. Properties move fast and sellers rarely wait for slow financing.
Hard money fills that gap. Closings in 7-14 days are realistic. Conventional timelines are not.
7–14 Days
Typical Close Time
65–75%
Max LTV
Below 620 OK
Credit Flexibility
None Typically
Income Docs Required
6–24 Months
Loan Term
Hard Money Loans in Davis
Hard money lenders care about the property's value, not your tax returns. The deal is the collateral.
Most lenders want 25-35% equity in the deal. Your credit score matters less than your exit strategy.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Davis.
Davis is a tight, high-demand college town. Properties move fast and sellers rarely wait for slow financing.
Hard money fills that gap. Closings in 7-14 days are realistic. Conventional timelines are not.
Hard money lenders care about the property's value, not your tax returns. The deal is the collateral.
Hard money isn't a bank product. You're working with private funds and specialty wholesale lenders.
SRK CAPITAL works with 200+ wholesale lenders. We find programs that fit Davis investor deals specifically.
The deals I see fail aren't from bad properties. They fail because borrowers didn't plan the exit.
Know your out before you close in. Sell, refinance into DSCR, or refi conventional — pick one and prove it pencils.
Bridge loans are the closest cousin. Both are short-term. Hard money typically has looser guidelines.
DSCR loans are the natural follow-up for buy-and-hold investors. Use hard money to acquire, refi into DSCR to stabilize.
Davis sits in Yolo County near Sacramento. Investor demand here is driven by UC Davis and a stable rental base.
Student rentals and faculty housing both create flip and hold opportunities. Know your end buyer or tenant before you fund.
Most hard money deals close in 7-14 days. The property appraisal and title work are the main timeline drivers.
Many lenders approve below 620. The property value and your equity in the deal carry more weight than your score.
Yes, but hard money is short-term. Plan to refinance into a DSCR or conventional loan once the property is stabilized.
Most lenders cap at 65-75% LTV in this market. Rates vary by borrower profile and market conditions.
Fix-and-flip is the core use case. Lenders fund the purchase and often advance rehab draws as work is completed.