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West Sacramento sits across the river from the state capital. That proximity drives steady investor activity in fix-and-flip and rental acquisition deals.
Hard money fills a gap conventional lenders won't touch. Speed and asset value matter more than your tax returns here.
6–24 Months
Typical Loan Term
Asset-Based
Credit Focus
65–75% of ARV
Typical Max LTV
Not Required
Income Docs
7–14 Days
Est. Close Time
Hard Money Loans in West Sacramento
Hard money lenders care about one thing first: the deal. They look at the property's current value and after-repair value (ARV) — not your W-2.
Most lenders want 30-35% equity in the deal. Bring a solid exit strategy and a realistic ARV, and you're most of the way there.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in West Sacramento.
West Sacramento sits across the river from the state capital. That proximity drives steady investor activity in fix-and-flip and rental acquisition deals.
Hard money fills a gap conventional lenders won't touch. Speed and asset value matter more than your tax returns here.
Hard money lenders care about one thing first: the deal. They look at the property's current value and after-repair value (ARV) — not your W-2.
Hard money is not a bank product. It comes from private lenders and funds who specialize in short-term real estate deals.
SRK CAPITAL works with 200+ wholesale lenders, including hard money sources active in West Sacramento and Yolo County.
The mistake I see most often: investors wait too long to line up financing. Hard money closes fast, but you still need a lender in place before you bid.
Rates vary by borrower profile and market conditions. Your experience as an investor, the LTV, and the property type all shift your rate significantly.
Bridge loans and hard money overlap. Bridge is often used for cleaner acquisitions. Hard money fits heavier rehab deals with more distress.
DSCR loans are better for stabilized rentals. Once you finish the rehab, refinancing into a DSCR loan is a common exit from hard money.
West Sacramento has older housing stock with real upside for investors who know what they're doing. That plays well for hard money rehab deals.
Yolo County's market is smaller than Sacramento proper. Lenders still active here know the territory — working with a broker who sources regionally matters.
Most hard money loans close in 7–14 days. The timeline depends on the lender and how fast the appraisal gets done.
Credit matters less here than the deal itself. Lenders focus on property value and your exit strategy, not your credit score.
ARV means after-repair value — what the property is worth once renovations are done. Lenders base your loan amount on it.
Yes, but hard money is short-term. Most investors refinance into a DSCR loan once the property is stabilized and rented.
Going over budget is the biggest risk in hard money deals. Always build a contingency into your rehab estimate before you close.
Run the numbers before you borrow. Purchase price plus rehab plus loan costs must leave enough margin at resale or refi.