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Marysville sits in Yuba County, a market where investors move fast on undervalued properties. Hard money lets you close in days, not weeks.
This area attracts fix-and-flip buyers and rental investors priced out of Sacramento. Hard money is often the only tool that works at this speed.
7-14 Days
Typical Close Time
65-75%
Max LTV (of ARV)
Flexible / 580+
Min Credit Score
6-18 Months
Typical Loan Term
Yes
Exit Strategy Required
Hard Money Loans in Marysville
Hard money lenders care about the property, not your tax returns. The asset secures the loan — your credit score is a secondary concern.
Most lenders want 25-35% equity in the deal. A clear exit strategy — flip or refinance — is required before funding.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Marysville.
Marysville sits in Yuba County, a market where investors move fast on undervalued properties. Hard money lets you close in days, not weeks.
This area attracts fix-and-flip buyers and rental investors priced out of Sacramento. Hard money is often the only tool that works at this speed.
Hard money lenders care about the property, not your tax returns. The asset secures the loan — your credit score is a secondary concern.
Hard money lenders are not banks. They're private funds and individuals who price deals on risk, not rate sheets. Terms vary widely.
We work with 200+ wholesale lenders at SRK CAPITAL. Some specialize in Yuba County fix-and-flips. Others focus on ground-up builds.
Borrowers get burned by hard money when they underestimate rehab costs. Budget 15-20% over your contractor's first bid. Always.
Your exit timeline is everything. If the flip takes 9 months instead of 5, those extension fees will kill your profit margin fast.
DSCR loans are cheaper long-term but require a stabilized property. Hard money funds a deal that doesn't qualify for DSCR yet.
Bridge loans and hard money overlap, but bridge products usually require stronger credit and a clear income picture. Hard money is more flexible.
Marysville has a high share of older housing stock. Many deals need significant rehab before they're financeable with conventional products.
Yuba County's lower price points mean smaller loan amounts. Find lenders with minimums that fit the local deal size — not every hard money fund goes below $150K.
Most hard money deals close in 7-14 days. The property appraisal and title search are the main timeline drivers.
Many lenders fund at 580 or below. The deal's equity position matters far more than your credit score.
Yes, but hard money is short-term. Plan to refinance into a DSCR or conventional loan within 12 months.
Rates are typically higher than conventional loans. Rates vary by borrower profile and market conditions — expect terms to reflect the deal's risk.
Some will, but terms get tighter and insurance requirements add cost. Verify flood zone status early — it affects lender willingness.
Not all hard money funds go below $150K. Marysville's price points require finding lenders comfortable with smaller deal sizes.