If you are searching for hard money lenders, California is more than likely the best place to start. The main reason you should start your search in California is that you likely have a particular niche, say for this instance it is fixing and flipping houses, you need a lender that is no strange to that market or any other market.

When looking to flip and fix a house, the reality is the best place to start looking for financing is hard money lenders. California lenders that offer hard money financing for this particular niche have a clear set of criteria before you even walk in the door. This may sound like a bad thing at first, but the truth is that a clear set of guidelines means you know exactly what you need to do get the ball rolling on your financing.

Thus, as you can probably guess, it is important to know the criteria no matter your niche. Nonetheless, for the sake of flipping and fixing houses, let us go over that standard flip and fix criteria for hard money lenders. California lenders who offer hard money financing for flip and fix projects generally look for the following things: a clear understanding of the property’s value, the ability to move quickly to give you a timely response, reasonable terms and rates that you can adhere as well as the ability to build a growing relationship.

This may seem like a tall order, but the good news is that you as borrower or even an investor should want these thing as well. For instance, being able to understand the real value of your property means you and your lender are informed. Moreover, it gives you an opportunity to have a meeting of the minds with you and your lender. Similarly, when everyone is clear on the value and the percent of financing then it allows for the entire process to move along faster.

Key to a Successful Relationship with your California Hard Money Lender

Speaking of a quick response, again you also, no matter your role in the loan process, want things to move along quickly. Think about it, with a flip and fix everyone’s profitability margin really depends on how quickly everything can be accomplished. Moreover, going over the terms and rates with your lender to ensure that you are able to meet them given your situation, again, not only benefits you, it also helps to foster a good relationship with your lender. Lastly, it is important to build this relationship because your new lender can become an asset for future endeavors and it helps provide a potential helping hand if you do have trouble meeting the terms down the road.

Benefits all around

Ultimately, knowing the basic criteria of your hard money lender helps everyone. Therefore, there is no reason you should not do your research/ preparation beforehand so that the entire process can be as streamlined and beneficial as possible. But do not take our word for it; speak to a few hard money lenders in your area and California too.

Dennis Dahlberg Broker/RI/CEO/MLO
Level 4 Funding LLC  Private Hard Money Lender
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com
https://level4funding.com
NMLS 1057378 | AZMB 0923961 | MLO 1057378
22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027
111 Congress Ave |Austin | Texas | 78701



About the author:  Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true.


Dennis has been married to his wonderful wife for 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.