Hard Money Loans in San Francisco, CA
Loan-size math and qualifying analysis for Hard money financing on San Francisco's $1.4M median home value. Strong fit.
Strong fit for San Francisco.
San Francisco has active flip + wholesale activity (flip fit 100/100, wholesale fit 64/100) — hard-money makes sense for the velocity these strategies require.
Payment on San Francisco's $1.4M median.
| Median home value (San Francisco) | $1,369,171 |
| Assumed LTV | 85% |
| Loan amount | $1,163,795 |
| Cash to close (down payment) | $205,376 |
| Assumed rate | 11.00% |
| Term | 6-18 mo, interest-only |
| Monthly P&I | $10,668/mo |
Hard money financing — the mechanics.
Short-term (6-18 month) loans underwritten primarily on the property's after-repair value and the borrower's flip/project experience. Interest-only payments during the term; balloon at maturity (paid off by sale or refinance).
Lender requires: 600+ FICO typical (some go lower), 10-20% cash to close, proof of reserves equal to 6 months of carry, project plan + scope of work. Funding in 7-14 days standard.
How California law affects this loan.
California foreclosure timeline: non-judicial, ~120 days. See full Hard money in California breakdown.
Frequently asked.
What's the typical Hard money loan size for a property in San Francisco?
On San Francisco's $1.4M median home value, a Hard money loan at the standard 85% LTV would be approximately $1.2M, requiring $205k down.
What's the monthly payment on a typical Hard money loan in San Francisco?
Interest-only payment on a $1.2M Hard money loan at the typical rate of 11.00% would be approximately $11k/month, excluding taxes and insurance.
Is San Francisco a good market for Hard money financing?
San Francisco has active flip + wholesale activity (flip fit 100/100, wholesale fit 64/100) — hard-money makes sense for the velocity these strategies require.
What credit and reserves do Hard money lenders require for San Francisco properties?
Lender requires: 600+ FICO typical (some go lower), 10-20% cash to close, proof of reserves equal to 6 months of carry, project plan + scope of work. Funding in 7-14 days standard.
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