Investor Capital
Hard Money Loans in the Bay Area
When the deal can't wait for a bank: asset-based capital that closes in days, from a team that also builds what you're buying.
Hard money is the tool for deals where speed and condition rule out banks: trustee sales, probate purchases, homes too rough to finance conventionally, or sellers who'll take 5% less for a 7-day close. You pay more for the money and earn it back on the buy.
The weak point of most hard-money deals isn't the rate — it's the renovation. Underestimated rehab budgets blow up more flips than interest ever does. Our lending pairs every loan with a construction reality check: the budget the loan is built on is one our own estimators produced.
What's included
5–10 Day Closings
Asset-based underwriting on the property and the plan — not your tax returns.
Up to ~75% ARV
Purchase plus rehab funding sized against after-repair value with realistic comps.
Construction Draws That Work
Draw schedules matched to real build milestones, inspected and released without drama.
Exit Planning
Resale through our brokerage or refinance into DSCR debt — mapped before you close.
Foreign & Entity Borrowers
LLC, trust, and international-investor structures accommodated.
How it works
- 1
Deal Review
Send the address and price — we return ARV, rehab estimate, and loan terms, often same day.
- 2
Term Sheet
Rate, points, LTV, draws, and exit assumptions in writing. No application fees to look.
- 3
Close in Days
Title, insurance, and funding coordinated for 5–10 day escrow timelines.
- 4
Build & Exit
Our crews execute the rehab; you sell or refinance per the plan set on day one.
Frequently Asked Questions
What do Bay Area hard money loans cost in 2026?+
Typical terms: 9–12% interest-only, 1–3 origination points, 6–24 months, 65–75% of ARV or ~80–85% of purchase plus 100% of rehab, whichever is less. A $1M six-month flip loan costs roughly $55K–$80K all-in — priced into the deal when you buy right.
How fast can you actually close?+
Five business days when title is clean and insurance binds quickly; 7–10 days is routine. The long pole is usually title and payoff demands, not the money.
Do you lend on owner-occupied homes?+
Hard money is for non-owner-occupied investment and business-purpose loans; consumer-purpose owner-occupied lending carries different regulation. If you're an owner-occupant, our mortgage team has better-priced options anyway.
What if my rehab runs over budget?+
This is why borrowing from a team that builds matters: contingency is built into the original budget, scope creep is flagged in writing before it's spent, and because our estimate set the loan, blown-budget surprises are rare.
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Start your hard money loans conversation
Honest numbers, one accountable team. We respond within one business day.
Licensed · Bonded · Insured · CSLB #1056408 · Serving all of Silicon Valley