Marin County · California

Hard Money Loans in
Novato, CA

Hard money and private capital for Bay Area investors — Fix & Flip, Ground Up Construction, Stabilized Bridge, and DSCR Rental loans in Novato. Close in 5–10 business days.

5–10
Day Close
90%
Max LTV (F&F)
100%
Rehab Financed
No
Income Docs (DSCR)

Novato Real Estate Investment Market

Market Insight

Novato offers the most value-oriented entry point in Marin County, making it ideal for fix-and-flip investors who want Marin exposure at comparatively accessible price points. The former Hamilton Air Force Base is actively redeveloping.

Novato investors are primarily focused on fix-and-flip, rental properties, and ground-up residential development. With over $900K median home price, private capital is often the fastest and most flexible financing tool available.

Fix & FlipSingle Property RentalGround Up
CountyMarin County
StateCalifornia
Price TierModerate-High
Median PriceOver $900K median home price
Investor FocusFix & Flip, Single Property Rental, Ground Up
Downtown NovatoHamiltonIgnacioBlack PointAtherton

Private Loans Available in Novato

All five loan products are available in Novato and throughout Marin County. No income docs required for DSCR loans.

Typical Novato Investor Profile

Investor Profile

Value-oriented Marin County investors targeting one of the county's most accessible markets — with meaningful upside as the SMART train extends north corridor demand.

Speed Over Everything

In competitive markets like Novato, a 5–10 day close wins the deal. Conventional lenders can't compete with private money speed.

No Income Verification

Our DSCR rental loans qualify based on the property's cash flow, not your W-2. Self-employed investors and business owners are welcome.

Asset-Based Lending

Approval is based on the property's value and your investment plan — not a bureaucratic credit file. Credit scores as low as 620 considered.

Frequently Asked Questions — Novato

What types of investment loans do you offer in Novato?
We offer Fix & Flip bridge loans, Ground Up Construction loans, Stabilized Bridge loans, Single Property DSCR Rental loans, and Rental Portfolio blanket loans — all available for residential investment properties (non-owner-occupied) in Novato and throughout Marin County.
How fast can I close a hard money loan in Novato?
Most fix & flip and bridge loans in Novato close in 5–10 business days from completed application. Ground-up construction loans typically take 10–15 business days due to draw schedule review. Speed is our primary advantage in Novato's competitive investment market.
What LTV do you lend for fix-and-flip loans in Novato?
We lend up to 90% of purchase price and 100% of rehab costs on fix-and-flip loans in Novato, subject to a maximum of 75% of the after-repair value (ARV). Given Novato's over $900K median home price, this allows investors to finance the majority of their acquisition and renovation costs with minimal equity required upfront.
Do you lend on multifamily properties in Novato?
Yes — we lend on 1–4 unit residential investment properties in Novato, including single-family homes, condos, duplexes, triplexes, and fourplexes. All properties must be non-owner-occupied investment properties. We do not lend on owner-occupied primary residences or commercial properties.
What is a DSCR loan and does it make sense for Novato rentals?
A DSCR (Debt Service Coverage Ratio) loan qualifies based on the rental income the property generates, not the borrower's personal income or tax returns. For Novato landlords — especially self-employed investors — this removes the biggest obstacle to portfolio growth. We lend up to 80% LTV on DSCR loans in Novato.

Other Marin County Markets We Serve

Ready to Fund Your Next Novato Deal?

Get pre-qualified in minutes. No income docs. No tax returns. Close in 5–10 days.

Apply Online Now → Call (650) 780-3148