Improvement, Rehab, and Construction-Completion Loans

Loans are limited to the following offerings only. All residential loan programs are for California properties only. Commercial properties in CA preferred, but we'll consider loans of $150,000+ in AZ, NM, NV, CO, OR, WA, UT, and ID.

Residential 1 - 4 units

FHA 203k — primary residence only, purchase money or existing home improvement. FHA loan limits by county apply. Lesser of 96.5% Loan-to-Cost or 110% Loan-to-Value. Not for new construction or completion of construction started on a new home. $150,000 minimum loan amount and 60+ day closing required.

Fannie Mae financing — primary OR investment property, purchase money or existing home improvement. Conforming loan limits apply by county. Up to 95% Loan-to-Value financing. Not for new construction; can be used to complete new construction with more than 65% already built. $150,000 minimum loan amount and 60+ day closing required.

Residential Investor Fix & Flips (1 - 4 units)

We do NOT offer hard money rehab loans based on after-repaired value ("ARV"). We will loan up to 65% of the current "as-is" value only, as determined by our appraisal.

Residential Construction-Completion (1 - 4 units)

We will offer hard money financing up to 60% of after-completed value ("ACV"). NOT for tear-down rebuilds or incomplete room additions. Project must be 100% new construction, with a minimum 50% already completed and signed-off by city / county building inspector, current building permit in place. Viable exit strategy required. A licensed, bonded general contractor must be utilized to complete or oversee the project, depending on the amount of work remaining.

Commercial Rehab Loans / Tenant Improvement Loans

We will finance up to 70% of the after-repaired value ("ARV") for commercial, multi-unit income properties with private money (hard money) financing. 1st or 2nd trust deeds. $50,000 - $5M loan amount. Short-term product. Viable exit strategy required. 2nd TDs must not be less than 20% of the balance owed on the existing 1st lien.

Commercial Construction Completion Loans

We will finance up to 70% of the after-completed value ("ACV") for commercial, multi-unit income properties with private money (hard money) financing. 1st or 2nd trust deeds (no subordinations behind private senior liens). 2nd TDs must not be less than 20% of the balance owed on the existing 1st lien. NOT for tear-down rebuilds. Project must be 50% or more completed at closing. $50,000 - $5M loan amount. Short-term product. Viable exit strategy required. A licensed, bonded general contractor must be utilized to complete or oversee the project, depending on the amount of work remaining, and a current buiding permit must be in place.