Hard Money
Holiday Mortgage (Youngs Real Estate, Inc.) • California • By Appointment Only
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Hard Money
DSCR
Apartment Complex
Manufactured Homes
Quick list: VA • FHA • Conventional (FNMA/FHLMC) • USDA • Down Payment Assistance • Forgivable Grants • CalHFA • CalVET • Jumbo / Super Jumbo • SBA • Agricultural • Commercial • Hard Money • DSCR • Apartment Complex • Manufactured Homes
At a glance
- Best for: time-sensitive scenarios and unique investment strategies.
- Underwriting: collateral, equity, and exit strategy.
- Notes: pricing/fees/terms differ from traditional loans.
Reminder: Guidelines vary by lender and scenario. This page is general information only and is not a commitment to lend.
Basic qualifications (typical)
- Sufficient equity/down payment is commonly required.
- Clear exit strategy is typically expected.
- Property condition and rehab scope matter (if applicable).
Property types that may work
- Fix-and-flip properties
- Investment properties
- Unique scenarios (varies)
Typical documentation checklist
- Photo ID
- Income documentation (paystubs, W-2s, tax returns depending on income type)
- Asset documentation (bank statements; source of funds for down payment/closing costs)
- Property documentation (purchase contract if buying; insurance quote)
- Credit authorization and explanations if needed
- Program-specific items (below)
Tip: For privacy and security, do not email SSNs or sensitive document images. Use a secure portal for sensitive info.
Program-specific documents / notes
- Scope of work and rehab budget (if applicable).
- Contractor bids (if applicable).
- Exit strategy documentation (if applicable).
- Proof of funds/reserves (if required).
Questions? Call (530) 238-5739 or email [email protected].
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