Hard money loans in California
Older houses on good lots, teardowns, ADUs: California deals move on short-term money. The loan covers up to 90% of the price and all of the rehab.
- 90%
- of the purchase price
- 100%
- of the rehab financed
- $3M
- maximum loan
CaliforniaPrograms available in California
Every program on this site is available in California.
| Loan | What it does | Maximum |
|---|---|---|
| Fix and flip | Buy and renovate | 90% of price + 100% of rehab |
| Ground-up construction | New homes, teardowns, lot splits | 75% of land + 100% of construction |
| Bridge | Hold a finished property | 70% of value |
| DSCR rental | Keep a rental for 30 years | 80% of value |
Where we lend in California
Los Angeles County and the San Fernando Valley, Orange County, Ventura County, the Inland Empire, San Diego, the Bay Area and Sacramento, plus other cities and suburbs across the state. Large tracts, rural land and one-of-a-kind luxury estates are outside these programs.
How California investors use these loans
The classic California flip is an older house on a good lot: buy under market, renovate, sell or rent. The fix and flip loan covers up to 90% of the price and the full renovation, with additions for experienced investors and ADUs from five finished projects.
On infill lots and teardowns, the construction loan funds the land and the whole build. Permits take time here, so the land can be funded at 60% before they are issued and stepped up to 75% afterwards.
From first message to closing
- 1
Tell us about the deal
Your contact details and a line about the property. No application at this stage.
- 2
Hear where the deal stands
Which loan fits and how much it covers, before you spend money on an appraisal. If the numbers don’t work, we tell you that too.
- 3
Get written terms
A soft credit check that leaves your score alone, then a term sheet. After you accept it: appraisal, title, insurance and your company documents.
- 4
Close in your LLC
Funds go to escrow at closing. Rehab and construction money comes out in draws as each stage of work is finished.
California questions
Do you make hard money loans in California?
Yes. Fix and flip, construction and bridge loans are all available: short-term, interest-only and sized on the deal.
Can I finance an ADU or an addition?
Yes, for experienced investors, on an 18 to 24 month term.
Do you lend on apartment buildings?
For 5+ unit buildings with a value-add plan there is a separate bridge program from $2M to $5M. Mention it in the form.
Do I need to live in California?
Not for rental loans. A flip or a build in a market that is new to you asks for three finished projects and gives about 5% less leverage.
Will asking for terms hurt my credit?
No. Terms are based on a soft pull, which does not change your score.
Does the loan have to be in an LLC?
Yes, an LLC or a corporation borrows. If you don’t have one yet, you can set it up before closing.
Have a deal in hand?
Leave your contact details and a line about the deal. We get back to you with which loan fits, how much it covers and written terms, before you pay for an appraisal.
- No hard credit pull to see terms
- No tax returns or W-2s
- Business-purpose loans on investment property