California Hard Money Loans (Fast Asset-Based Acquisition & Bridge) — 2026 Rates, LTV Caps & State Rules

California Hard Money Loans provide business-purpose real estate investors with Up to 85%–90% LTC / 75% ARV across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.50% Interest-Only (6, 12, 18 & 24 Months Interest-Only, 600 – 640+ FICO (Asset-Backed) min FICO, 5 – 10 Business Days close). In California (CA), lenders underwrite to a Non-Judicial (Deed of Trust — Civil Code §2924) statutory framework (120–135 days-day average timeline), a 0.75% average property tax rate (~$466/mo at the $745,000 state median), and $510/$100K hazard insurance (~$317/mo).