Hard Money Lender in
Direct hard money loans for San Francisco Bay Area 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.
San Francisco, Oakland, San Jose and the East Bay carry some of the highest property values in the country, and the investors who work there need a lender that can move at the price point.
The Bay Area: high value, deep equity, and a premium on certainty.
Bay Area listings that ask for cash are often exactly the properties a bank will not touch: an Oakland or Richmond house with a permit history, a San Francisco building with a tenant story, a probate sale in San Jose that must close on the court's timeline. The values are high, the equity is real, and the seller wants certainty over price. Our 3-day option gives it to them: 35% down, no appraisal, the property valued from recent sales.
Fix and flip in the Bay Area is a renovation business at a high price point, and the loan is sized accordingly, with larger files going to the desk by pre-screen. DSCR loans carry the hold, and Bay Area rents help the ratio on multifamily even at these prices, while single-family rentals need the leverage tuned. Sacramento and Stockton, where many Bay Area investors buy, are covered on the same programs.
Cash and hard money listings in San Francisco Bay Area right now.
Listings whose remarks ask for cash or hard money, each priced with our financing at its list price. Browse San Francisco, Oakland, San Jose, Berkeley, Richmond, Hayward, or every California opportunity. Sign in to see the street addresses and the pricing on each one.
No Bay Area 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 Bay Area deal.
Buy like cash or refinance maturing debt on Bay Area 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 Bay Area address to the wire.
- Price it. Type the Bay Area 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 Bay Area, answered straight.
How fast can a hard money loan close in Bay Area?
Every Bay Area deal gets an instant term sheet and closes in 2 weeks. In Bay Area 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 Bay Area?
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 Bay Area deal in a minute. Every figure is an indicative estimate, not a commitment to lend.
Do you lend on fix and flips in Bay Area?
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 Bay Area?
Yes. DSCR loans in California are 30-year fixed rental loans qualified on the rent, for a single property or a portfolio. Bay Area multifamily rents are high enough to carry the ratio; single-family rentals are tight at these prices and are sized to the coverage.
Which Bay Area areas do you lend in?
San Francisco; Oakland, Berkeley, Richmond and the East Bay; San Jose, Sunnyvale and the South Bay; Hayward, Fremont and the Tri-Valley; Vallejo, Concord and Antioch; Sacramento and Stockton. We lend on investment and commercial property anywhere in California; see the California page.
Working a Bay Area Deal?
Price it in a minute. If the numbers work, the term sheet is instant and the close is 2 weeks out.