California
Investor loans in California
Fix and flip, ground-up construction, bridge, DSCR and apartment loans for California investors, from our office in Burbank.
- Office in Burbank, Los Angeles County
- All six programs, including multifamily
- $50K to $5M, closed in your LLC
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We’ll review your deal and call you back. If it’s urgent, call 310-654-1577.
Programs available in California
Every program we offer is available in California.
| Program | What it does | Maximum |
|---|---|---|
| Fix and flip | Buy and renovate | 90% of price + 100% of rehab |
| Ground-up construction | Build new homes, teardowns, lot splits | 75% of land + 100% of construction |
| Bridge | Hold a finished property | 70% of value |
| DSCR rental | Keep one rental | 80% LTV |
| Rental portfolio | 2–10 rentals in one loan | 80% LTV |
| Multifamily bridge | 5+ unit value-add | $2M–$5M |
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 fall outside these programs.
Our office is at 150 E Olive Ave in Burbank. You can meet us there, or send the deal by form or phone.
How California investors use these loans
Older homes on good lots are the classic California flip: buy below market, renovate, and sell or rent. Fix and flip loans cover up to 90% of the price and the full renovation, with additions and ADUs for experienced investors.
On infill lots and teardowns, ground-up loans fund the land and the full build. Permits take time here, so the land can be funded at 60% before permits and brought to 75% when they’re issued. For 5+ unit buildings, our multifamily bridge loan funds a value-add plan through to an agency refinance.
California investor loan questions
Do you offer hard money loans in California?
Yes. Our fix and flip, construction and bridge loans work like hard money: short-term, interest-only and based on the deal, with leverage up to 90% of the price plus the rehab. For California and Los Angeles specifics, see hard money loans in California and hard money loans in Los Angeles at West Coast Capital Mortgage.
Can I finance an ADU or addition?
Yes, for experienced investors, with 18 to 24 months of term.
Do you lend on apartment buildings in California?
Yes, 5+ unit buildings with a value-add plan, from $2M to $5M.
Can I meet you in person?
Yes, at our office in Burbank.
Have a California deal?
Send the address, price and budget. You’ll hear which program fits and how much leverage to expect.