HARD MONEY LENDER | SACRAMENTO, CA

• Rates from 8.99% and 1 point

• Same-day Approvals, Funding in Days

• No Appraisals (most scenarios)

• No tax returns or pay stubs required

• No minimum DSCR

• No prepayment penalty (available)

• No advanced lender fees

• Up to 70% Loan-to-Value

• Closings in as few as 7 days

Call us now at 818-638-9982 to speak directly with a decision maker. Or, please complete the form if you would like us to contact you.

Sacramento CA Hard Money Lenders

Reminiscent to its roots during the California Gold Rush, real estate investors and home buyers alike have flocked to the Greater Sacramento area, seeking affordable real estate outside of the exorbitant prices in neighboring counties in the Bay Area. Weather you are looking to renovate and filp homes in Folsom, convert outdated retail space to industrial warehouse in Downtown Sacramento or transition vacant office space to multifamily, a hard money loan from SDC Capital can help make your real estate vision a reality.

Sacramento, a city built during the gold rush, is full of opportunities for real estate investors. With over 500,000 people, Sacramento is the 6th most populated city in the state. Sacramento’s surrounding area boasts world-class education, diverse entertainment, and the best that California has to offer in cuisine and wine. As the capital of the state with the 6th highest GDP in the world, Sacramento is a hub for all things commerce.

Sacramento real estate investors play a huge role in the growth of the state's capital. Along the way, they’re making a tidy profit for their efforts in restoring existing real estate, facilitating new constructions, and playing a role in the residential and commercial markets.

A funding strategy that many real estate investors in Sacramento utilize to fund deals and expand their portfolios quickly is hard money loans.

SDC Capital is Sacramento’s premier real estate hard money lender.

What’s The Difference Between Private Money Lenders And Traditional Banks In Sacramento?

The differences between hard money lenders and traditional lenders make hard money lending a clear choice for many real estate investors. Here are a few of the main differences between hard money lenders and traditional banks.

-       Fewer Requirements: Since hard money loans are based largely on the amount of equity in your property, borrower have less of a worry about low credit scores or personal income below bank standards.

-       Funding Speed: Hard money loans are known for how quickly they can be funded and approved, crucial in real estate investing.

-       More Expensive: While traditional mortgage rates on a conventional home loan are around 3% on average, hard money loan interests rates are in the 8-12% range.

-       More Flexible: Hard money lenders are more interested in the property value backing a hard money loan than the borrowers’ personal income or FICO score.  A hard money loan can give the borrower the needed time to eventually qualify for conventional financing or sell the property under more favorable conditions.

Are Hard Money Loans Good For Residential Properties In Sacramento?

Real estate sells fast in Sacramento, making hard money loans an ideal strategy to quickly buy the property.  Many buyers are bringing all-cash offers to the table, making it harder for borrowers relying on bank funding to compete. Hard money loans allow investors to come to the table with a cash-like offer and close more transactions.

Are Hard Money Loans Good For Commercial Property In Sacramento?

Getting a traditional lending institution to fund your commercial real estate deal is like trying to walk a cat. Due to strict lending guidelines, it’s not entirely up to the lender how quickly your deal gets funded. This is bad news for real estate investors who need the advantage of bringing offers to the table fast.

Alternatively, hard money lenders can fund commercial deals as little as 7-10 days. We know that commercial real estate investors need fast funding with few restrictions, guidelines, or contingencies.

Note: SDC Capital does not offer hard money loans for hospitality properties, special-purpose properties, and churches

Hard Money Loans  Good For Fix & Flip Property in Sacramento?

Fix and flip loans provide up to 65% of the property's value for investors who buy distressed properties, rehab, and sell. Securing a hard money loan can help you quickly buy properties for your rehab business. An even better idea is establishing a relationship with a reputable hard money lender that can consistently supply you with capital with flexible and reliable terms.

Cash-Out Refinance Loans With A Sacramento Hard Money Lender, How?

Our underwriting guidelines focus on the equity, not the borrower's credit, meaning we’re able to structure cash-out refinance loans that give real estate investors the liquidity they need to drive their business forward.

Sacramento’s Premier Sacramento Hard Money Lender

If you’re a Sacramento home buyer or real estate investor needing a quick and reliable way to fund your real estate with a hard money loan, then SDC Capital can help. Get a quote or call us today at (818) 638-9982.

Recent Hard Money Loans in the sacramento Area

Sacramento, California

Post-pandemic real estate activity has varied across property types in Sacramento County, CA. Demand for multifamily apartments and home rentals remain at elevated levels, particular outside the metro downtown area, continuing long after the initial wave brought by the pandemic. Residential demand for renovated homes and larger lot sizes have many borrowers seeking financing for homes in affluent suburban cities like Folsom, Roseville, Rocklin, and Elk Grove. Office property continues to see demand from specifically government, healthcare, and education – all defensive labor sectors, but downward pricing pressure continues on office lease rates. Retail property demand continues to suffer from the rise of Internet commerce, with some buyers utilizing bridge loans to transition vacant retail and repurpose space to meet the demand for residential rentals near in-fill amenities.

Hard Money Lenders in California

When you need quick, reliable financing for your real estate investments in California, SDC Capital is here to help. Our hard money loan solutions are designed for real estate investors who need fast approvals and flexible terms, especially when traditional lenders can’t provide the funding you need.

Explore our lending services in top California markets:

• Riverside Hard Money Lenders

• Santa Barbara Hard Money Lenders

• Orange County Hard Money Lenders

• Los Angeles Hard Money Lenders

• San Diego Hard Money Lenders

• San Francisco Hard Money Lenders