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Top Reasons Why Real Estate Investors Swear By Hard Money Loans

Many real estate investors in Los Angeles County acknowledge hard money loans as an effective financing tool. The primary advantages of hard money lenders in Los Angeles County are speed and flexibility. However, there are several other important reasons behind opting for hard money loans over traditional loans, especially for real estate investors looking for leverage and speed of funding.
Top Reasons Real Estate Investors in Los Angeles County use Hard Money Loan
Quick Loan Approval and Funding –
Hard money loans are simpler and more straightforward as compared to traditional/bank loans. In the case of traditional loans, the borrower needs to go through a longer procedure. This can range from filling out the loan application form to providing past credit details to the bank. Every out of the box item can take a lot of time for approval. However, hard money lenders in Los Angeles Countycan offer conditional approvals very quickly based on loan to value and purpose of the loan. And once the hard money loan is approved it can often times be funded within a week or two. If there is urgency, a reputable ...
... hard money lender can sometimes even fund the loan within 2 to 4 days!
Hard Money Loan StrengthensReal Estate Offers
ALos Angeles County hard money loan makes the offer from a real estate investor look stronger especially in cases where a property has multiple offers from buyers with traditional loans. Here the hard money loan stands out. It is not unheard of for bank financing to fall through. This is especially true in the case of property in need of rehab work, commercial property with poor cash flow or other issues surrounding the property.
Lower Purchase Price Negotiation
With hard money loans, real estate investors can negotiate a lower purchase price by promising a shorter escrow period and a quick close.
No Need of Income History and Good Credit Score
As far as traditional loans are concerned, the banks verify the borrower’s income history and credit score before approving the loan. However, in case of hard money loans, there is no need of a perfect credit and income history because the lenders focus mainly on the value of the property which will serve as an asset for the loan and the equity the borrower has in the property.
Have Recent Loan Issues? No Problem!
Various issues on the record of a borrower such as recent short-sales, loan modifications, foreclosures and bankruptcies can prevent banks from funding the loan. But the hard money lenders can often overlook such issues as they are concerned with the asset value and equity in the property.
Note: Make sure your Los Angeles County hard money loan comes from a reputable lender!
Author Information:
This article is written by All California Lending, one of the most reputable hard money specialists in Los Angeles County. They specialize in helping investors secure their required Los Angeles County hard money loan.
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