Hard Money Lender in
Direct hard money loans for Orange County real estate investors: bridge loans that close like cash, fix and flip loans that fund the renovation, ground-up construction, and 30-year DSCR rental loans. Instant term sheet, close in 2 weeks, or 3 days with 35% down.
From Anaheim, Santa Ana and Garden Grove up through the coast to Newport Beach, Orange County investors compete on speed and certainty, and we are forty minutes up the freeway in Tarzana.
Orange County rewards the buyer who can close first.
Orange County inventory that asks for cash tends to be one of two things: an older tract house in the north county cities, Anaheim, Santa Ana, Garden Grove, Fullerton, Westminster, that a family owned for fifty years and left unrenovated; or a coastal property whose condition or story keeps the conventional buyer away. Both sell to the investor who writes a clean offer, and our 3-day option is built for exactly that: 35% down, no appraisal, the property valued from recent sales, closed before a financed offer clears its contingencies.
The fix and flip loan funds the purchase and the renovation together on the north county tract houses, where a cosmetic to moderate budget and a strong resale market make the math straightforward. DSCR loans carry the hold, and Orange County rents on two- to four-unit buildings in Anaheim and Santa Ana generally cover the payment; coastal single-family rentals need the leverage tuned to the ratio. Every Orange County listing in our book is priced on this page's programs at its list price.
Cash and hard money listings in Orange County right now.
Listings whose remarks ask for cash or hard money, each priced with our financing at its list price. Browse Anaheim, Santa Ana, Garden Grove, Orange, Fullerton, Irvine, or every California opportunity. Sign in to see the street addresses and the pricing on each one.
No Orange County listings are in the book at this moment. New ones land every day; see the California deals.
We are the lender, not the listing agent. Every listing belongs to its agent, credited on the listing page. Browsing is not a commitment to borrow from us.
Every stage of a Orange County deal.
Buy like cash or refinance maturing debt on Orange County investment property. 12 months, interest only. Bridge loans.
Purchase plus renovation in one loan, 10% down with experience, drawn as the work completes. Fix and flip loans.
Land and the build for builders with completed projects. Construction loans.
Term loans on the buildings a rental program will not take. Commercial lending in California.
Starting rates, points, down payment and score requirements, program by program. See the rates.
From a Orange County address to the wire.
- Price it. Type the Orange County deal into Price a Deal: address, price, renovation budget, your score and experience. The program, the rate and the maximum loan come back in a minute.
- Request the term sheet. It issues instantly, from our own sizing.
- Send the file. Contract, entity documents, insurance, budget or rent roll. The appraisal is ordered the same day.
- Close in 2 weeks. Or 3 days on the no-appraisal option with 35% down, in the major California markets.
Hard money in Orange County, answered straight.
How fast can a hard money loan close in Orange County?
Every Orange County deal gets an instant term sheet and closes in 2 weeks. In Orange County a purchase can also close in 3 days with 35% down and no appraisal. Decisions are made in-house, so title, escrow and the appraisal set the pace, not a committee.
What does a hard money loan cost in Orange County?
Fix and flip and bridge loans start at 9.25% interest only with 1.5 points, and the 3-day option is 10.5% fixed with 1.5 points. The rates and requirements page lists every program; Price a Deal quotes your own Orange County deal in a minute. Every figure is an indicative estimate, not a commitment to lend.
Do you lend on fix and flips in Orange County?
Yes. Our fix and flip loan funds the purchase and the renovation together: 10% down with at least one completed project in three years, 20% on a first flip, the renovation paid in draws as the work completes.
Do you offer DSCR rental loans in Orange County?
Yes. DSCR loans in California are 30-year fixed rental loans qualified on the rent, for a single property or a portfolio. North county multifamily tends to cover; coastal single-family is tighter at Orange County prices.
Which Orange County areas do you lend in?
Anaheim, Santa Ana, Garden Grove, Orange, Fullerton and the north county; Irvine, Tustin and Costa Mesa; Huntington Beach, Newport Beach and the coast; Mission Viejo, Lake Forest and south county. We lend on investment and commercial property anywhere in California; see the California page.
Working a Orange County Deal?
Price it in a minute. If the numbers work, the term sheet is instant and the close is 2 weeks out.