Listing photoClovis, CA 93612 · MLS 655557
"As-Is Clovis home near Old Town Clovis!"
959 Harvard Ave is a 3-bedroom, 1.75-bath home in Clovis, California listed at $349,900 with 1,120 square feet, built in 1972. The seller is asking for cash or hard money, so it is priced here on our fix and flip loan: an investor with 1 to 2 completed projects and a 740 score puts 10% down ($34,990), we fund the $50,400 renovation estimate in draws, and the loan closes in 2 weeks. The down payment steps with experience, credit and the size of the renovation. A California buyer can also close in 3 days with 35% down and no appraisal. See every hard money opportunity in California or our California hard money lending page.
From the listing. As-Is Clovis home near Old Town Clovis! Features dual pane windows, owned solar, updated flooring, and refreshed bathrooms. Attached 2-car garage, 2 backyard storage sheds, and a large side yard with double-gate access. Sold via full authority probate, no court confirmation needed. Cash, hard money, or conventional financing only.
Preset with the list price and our rough renovation estimate. Change your score, your experience, the budget or the after-repair value and the numbers below move with them. Nothing is pulled and nothing is saved.
| Item | Option 1: 35% down | Option 2: 10% down |
|---|---|---|
| At closing | ||
| Qualifies as entered | Yes | No |
| Buyer down payment | $34,990 (10%) | $122,465 (35%) |
| Loan at closing | $314,910 | $227,435 |
| Cosmetic renovation, rough estimate* | We fund $50,400 | Buyer pays $50,400 |
| Total loan | $365,310 | $227,435 |
| Rate, interest only | from 9.25% | 10.5% |
| Points | 1.5 ($5,480) | 1.5 ($3,412) |
| Appraisal | Required | None |
| Estimated monthly interest | $2,816 at full draw | $1,990 |
| Cash to close, rough estimate | $44,860 | $125,877 |
Rough estimates at the list price of $349,900 for a 740 score and 1 completed project. This is not a commitment to lend.
*Every figure on this page is a rough estimate. The renovation budget is a super rough placeholder at $45 per sq ft, not a bid or an inspection; get your own contractor numbers before you offer. Indicative estimate for discussion, not a commitment to lend. Business-purpose loans to investors only; final terms are set at submission. Fix and flip loans are sized on an appraisal and must stay under 75% of after-repair value. 10% down is for experienced investors; first-time flippers put 20% down. The no-appraisal option is available in major California markets. Fix and flip fees include administration, documents, legal, draw inspections and servicing. Title, escrow and taxes are not included.
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