Hard Money Loans San Jose, California
Finance a San Jose premium flip, ADU addition, or value-add project on the deal — not your income. The capital of Silicon Valley, the highest-priced major flip market in the country, where premium reno and ADU drive large margins.
- Asset-based — we lend on the deal, not your income or tax returns
- Up to 95% LTC · 90% of purchase · 100% of rehab
- Premium reno and ADU across Willow Glen, Cambrian, and East San Jose.
- SF, 2–150 unit, multifamily, mixed-use, industrial, commercial & ground-up
- Interest-only or 30–40 yr amortized options · close in as few as 5 days
Get Your Free Quote! No Credit Pull Required.
San Jose Hard Money Loans — Key Facts (2026)
- What it is: A fast, asset-based loan secured by the property — funded on the deal, not your personal income.
- Best for: Premium flips, ADU additions & value-add
- Leverage: Up to 95% LTC · 90% of purchase · 100% of rehab · up to 75% ARV. Rates: from 7.875% · 1–3 points.
- Terms: Interest-only or 30–40 year amortization options. Funding: as fast as 5 days.
- Property types: SF, 2–150 unit, multifamily, mixed-use, condos, industrial, commercial & ground-up construction.
- Lender: CambridgeHomeLoan.com — direct lender since 1998, NMLS #1826020. LLC & foreign nationals OK.
Hard Money in San Jose
What is a hard money loan in San Jose, California?
A San Jose hard money loan is a fast, asset-based loan funded on the deal — purchase, rehab, and after-repair value (ARV) — not your tax returns. San Jose is a Silicon Valley premium market with high-dollar reno and ADU margins. We lend up to 95% LTC, 90% of purchase, and 100% of rehab, with interest-only or 30-40 year amortization options so you can flip, build, or hold.
| Secured by | The property (asset-based) — no personal income used |
| Max leverage | Up to 95% LTC · 90% of purchase · 100% of rehab · up to 75% ARV |
| Rates from | 7.875% (deal-dependent) · 1–3 points |
| Terms | Interest-only or 30–40 year amortization options |
| Funding speed | As fast as 5 days · rehab draws available |
| Property types | SF, 2–150 unit, multifamily, mixed-use, condos, industrial, commercial, ground-up |
| Area | Santa Clara County |
Eligible properties
San Jose hard money property types
We finance investment and business-purpose real estate across the board — residential, multi-family, and commercial, plus ground-up construction:
How we compare
CambridgeHomeLoan vs. Top National Hard Money Lenders
San Jose investors shop hard money on leverage, speed, and cost. Here is how our program stacks up against the terms commonly advertised by top national hard money lenders. Where we lead, it is highlighted.
| Feature | CambridgeHomeLoan | Top National Lenders (typical) |
|---|---|---|
| Max LTC | Up to 95% | Typically 85–90% |
| Of purchase | Up to 90% | 80–85% |
| Of rehab | 100% | 100% (on draws) |
| Max ARV | Up to 75% | 65–70% |
| Rates from | 7.875% | ~9.5–12%+ |
| Amortization | IO or 30–40 yr options | Interest-only only |
| Funding speed | As fast as 5 days | 7–14 days |
| Model | Direct lender since 1998 | Broker or fund |
“Top national lenders” reflects terms commonly advertised across the hard money market as of July 2026, subject to change. Typical ranges for general comparison, not the terms of any single lender.
San Jose market data
San Jose fix & flip market at a glance (2026)
Representative 2026 market indicators for underwriting context — confirmed per deal by an as-is and ARV appraisal.
| Median sale price (2026) | about $1,300,000 |
| Typical flip margin | 15–20% of ARV |
| Avg days on market | about 20 days |
| Investor activity | High – Silicon Valley premium |
| Insurance (holding) | Standard – wildfire & quake zones verified |
Approximate 2026 figures for illustration; not guarantees. Verify current data for your specific property.
San Jose neighborhoods
Where San Jose flips & BRRRRs pencil
San Jose value spans premium Willow Glen, family Cambrian, and value-add East San Jose.
| Area | Typical price band (2026)* | Investor angle |
|---|---|---|
| Willow Glen | $1.4M–$2.2M | Premium reno |
| Cambrian | $1.3M–$1.9M | Family premium reno |
| Rose Garden | $1.5M–$2.3M | Historic premium reno |
| East San Jose | $900K–$1.3M | Value-add + ADU |
| Berryessa | $1.2M–$1.7M | Value-add reno |
*Approximate 2026 ranges for illustration — verify current comps for the specific address (an ARV appraisal sets the value we lend against).
Free tool
San Jose fix & flip / hard money calculator
Enter your numbers and see your loan, cash to close, financing cost, and net profit instantly. We lend up to 95% of cost, 90% of purchase + 100% of rehab, and 75% of ARV — the calculator applies the lowest limit automatically. Illustrative only; final loan uses an as-is and ARV appraisal.
Your deal
Illustrative only; not a commitment to lend. Net profit assumes ~7% selling costs and excludes taxes, utilities, and some closing and holding costs. We confirm value with an appraisal.
Apply in minutes
Apply for your San Jose hard money loan
Same-day term sheet, no tax returns, and funding in as few as 5 days. Start your application below — or call (800) 826-5077.
Get Your Free Quote! No Credit Pull Required.
Worked example
A real San Jose hard money deal
A Willow Glen project bought at $1,066,000 with a $208,000 rehab (ARV $1,529,000): the binding limit sizes the loan to about $1,146,800; with 2 points (about $22,900) and about 8 months of interest at 9.49% (about $72,600), estimated cash to close is about $150,200. After about 7% selling costs (about $107,000), estimated net profit is about $52,500 — funded in as few as 5 days. Illustrative only; confirmed by an ARV appraisal.
Programs
San Jose hard money loan programs
| Fix & flip | Purchase + rehab; up to 95% LTC / 90% purchase / 100% rehab; draws |
| Ground-up construction | For builders & developers; land + vertical draws |
| Bridge | Fast close, reposition, or buy before you sell |
| 2–150 unit multifamily & commercial | Value-add, reposition & stabilize |
| Rental / DSCR exit | 30–40 yr amortized options; refinance to a long-term loan |
| Cash-out & auction | Pull equity fast; proof of funds for competitive buys |
Requirements
San Jose hard money requirements
| Down / skin in the deal | As little as 5–10% of cost at up to 95% LTC |
| Credit | 620+ FICO typical; deal-first, exceptions considered |
| Experience | First-timers welcome; investors get higher leverage |
| Valuation | As-is + ARV appraisal; scope of work for rehab |
| Vesting | Individual, LLC, or entity · foreign nationals eligible |
| Exit | Sale (flip) or refinance to a 30–40 yr amortized / DSCR loan |
Answers
San Jose hard money loan FAQ
Why do investors buy in San Jose?
Silicon Valley tech wealth and a severe housing shortage keep San Jose the highest-priced major market in the country, with premium reno and ADU additions driving large dollar margins.
What property types do you fund in San Jose?
We fund single family, 2-150 unit, multifamily, mixed-use, condos, industrial, commercial, and ground-up construction — any business-purpose investment property.
Can first-time investors get San Jose hard money?
Yes. It is deal-first — first-timers are welcome, and experienced investors qualify for higher leverage and faster closings.
Do you fund premium reno and ADU in San Jose?
Yes. We fund premium single-family rehabs plus ADU construction; ARV appraisal confirms value.
San Jose economy & flip demand
Why San Jose flips work
San Jose is the heart of Silicon Valley, with deep tech wealth and a severe housing shortage that keeps it the highest-priced major market in the country. Premium reno and ADU additions create very large dollar margins for well-capitalized flippers.
California markets
Hard money loans across California
We fund fix & flip, bridge, and ground-up projects statewide. Start with the California hub, then explore nearby markets:
Keep exploring
Related San Jose & California investor loans
© 2026 CambridgeHomeLoan.com · NMLS #1826020 · 4830 W Kennedy Blvd, Tampa, FL 33609 · (800) 826-5077 · Equal Housing Lender. Hard money loans are business-purpose loans for non-owner-occupied investment properties only and are not available for primary residences. Rates, points, LTC, ARV, amortization, and terms are illustrative, subject to change without notice, and subject to borrower, property, and deal qualification and underwriting approval. “Up to 95% LTC” reflects maximum leverage for the strongest profiles and is not a quote or commitment to lend. Values are estimates confirmed by an as-is and after-repair-value appraisal on your specific property. This page is informational and does not constitute financial, legal, tax, or investment advice.