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Hard Money Loans — Lendia California

What Documentation Is Required for Hard Money?

One of the major advantages of hard money is its streamlined documentation requirements compared to conventional or even Non-QM financing. Here is what most California hard money lenders will ask for.

Standard Documentation

  • Government-issued ID: Driver’s license or passport
  • Entity documents (if applicable): LLC operating agreement, articles of organization, and certificate of good standing for entity borrowers
  • Property information: Purchase contract (for purchases), existing mortgage statement (for refinances), property tax records
  • Appraisal or BPO: The lender will typically order this; you provide access to the property
  • Insurance: Hazard insurance binder showing the lender as mortgagee

What Is Usually NOT Required

  • Tax returns
  • Pay stubs or W-2s
  • Bank statements (unless required by the specific lender)
  • Employment verification

Experience Documentation

Some hard money lenders, particularly for fix and flip loans, ask for documentation of prior real estate investment experience — a track record of completed projects can unlock better LTV or lower rates.

Entity Borrowers

Most hard money loans for investment properties are made to entities (LLCs) rather than individuals. If you plan to borrow in an LLC, have your entity documents ready and ensure the entity is in good standing in California.

Minimal Documentation RequiredNo tax returns, no pay stubs, no employment verification in most cases. The focus is on the property and the deal — not your income history.
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