Loading
Loading
Winters sits at the edge of Yolo County farm country, close to both Sacramento and the Bay Area. That position makes it attractive for investors looking at undervalued residential and agricultural properties.
Hard money loans are asset-based. The lender cares about the property value — not your tax returns. That makes them fast and practical for deals that need to close quickly.
7–14 Days
Typical Close Time
65–70%
Max LTV
~600
Min Credit Score
6–24 Months
Loan Term
Not Required
Income Verification
Hard Money Loans in Winters
Most hard money lenders want to see a loan-to-value ratio under 70%. That means you need real equity in the deal — either through purchase price or existing property value.
Credit score matters less here than with conventional loans. Most lenders want to see 600 or above, but a strong deal can sometimes compensate for weaker credit.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Winters.
Winters sits at the edge of Yolo County farm country, close to both Sacramento and the Bay Area. That position makes it attractive for investors looking at undervalued residential and agricultural properties.
Hard money loans are asset-based. The lender cares about the property value — not your tax returns. That makes them fast and practical for deals that need to close quickly.
Most hard money lenders want to see a loan-to-value ratio under 70%. That means you need real equity in the deal — either through purchase price or existing property value.
Hard money lenders are private — not banks. They set their own terms, and rates vary significantly. Rates vary by borrower profile and market conditions.
Working with a broker gives you access to multiple private lenders at once. One call can get you competing term sheets instead of shopping lenders one by one.
The deals I see fall apart on exit strategy, not entry price. Know your ARV — after-repair value — before you apply. Lenders ask, and a vague answer kills deals fast.
Winters has older housing stock. Rehab budgets can run higher than investors expect. Build in a 15–20% contingency before you put numbers in front of a lender.
DSCR loans are slower but cheaper. If you have a stabilized rental property, DSCR is almost always a better fit than hard money for the long term.
Bridge loans occupy a middle ground — faster than conventional, cheaper than hard money. If you qualify, a bridge loan can save you points on the rate.
Winters is a small town — comparable sales can be thin. Lenders will scrutinize your ARV comp set closely. Make sure your comps are tight and recent.
Agricultural-adjacent parcels are common here. Not every hard money lender handles mixed-use or ag-adjacent deals. You need a lender with rural California experience.
Most hard money loans close in 7–14 days. Speed depends on title, appraisal, and how quickly you deliver the property details.
Most lenders cap at 65–70% LTV in rural markets like Winters. Thin comps in Yolo County can push that lower.
Some private lenders will fund ag-adjacent deals. Not all will — you need a broker who knows which lenders handle rural Yolo County.
You either sell, refinance into a DSCR loan, or negotiate an extension. Have that plan locked in before you close.
Most hard money loans carry fixed rates for the term, typically 6–24 months. Rates vary by borrower profile and market conditions.
Most lenders require a formal appraisal or BPO — broker price opinion. In thin markets like Winters, a full appraisal is common.