Residential investment financing across California’s major metropolitan areas. Bridge, DSCR, fix & flip, new construction, and build-to-rent programs.
California is the largest housing market in the country and the most structurally undersupplied, with a shortage measured in the millions of units. Demand is anchored by the deepest employment bases in the nation: technology in the Bay Area and San Diego, entertainment, trade, and logistics in greater Los Angeles, and state government in Sacramento. Roughly 100,000 units are permitted statewide each year against far larger household formation, which keeps absorption strong across nearly every metro and price band.
The regulatory picture is more workable for investors than headlines suggest. Proposition 13 holds effective property taxes to roughly 0.75% with capped assessed-value growth, and the statewide rent cap exempts most single-family rentals and everything built in the last 15 years. State infill law (statewide ADU reform and SB 9 lot splits) has opened construction and value-add opportunities on lots that were single-unit-only a few years ago. Coastal metros price for appreciation; Sacramento, the Inland Empire, and the Central Valley carry the yield.
We lend across California’s major metropolitan areas. If your project is in or near one of these markets, we want to hear about it.
Every loan program we offer is available to qualified borrowers and properties in California.
Short-term capital for acquisitions, dispositions, or refinances. Close in as little as one week.
Learn More30-year fixed financing based on property cash flow. Ideal for scaling or holding a rental portfolio.
Learn MoreAcquisition and renovation capital for value-add residential projects.
Learn MoreCapital for home builders to leverage their lot position and break ground on new residential projects.
Learn MoreFinancing for purpose-built rental communities and single-family rental developments.
Learn MoreStatewide ADU law and SB 9 turned single-family lots into multi-unit sites. Investors adding one or two ADUs behind an existing SFR pick up $2,000–$3,200/month per unit in rent on land they already control, and new units carry a 15-year exemption from the state rent cap. Ground-up construction financing covers the vertical work; a DSCR refinance captures the stabilized value.
Riverside, San Bernardino, and the Sacramento metro deliver the state’s most workable build economics: finished product in the $450K–$650K band, logistics and state-government employment bases, and a steady flow of equity migration out of the coastal metros. Builders working entitled lots can pair construction financing with quick disposition or roll into build-to-rent holds.
The median California home is over 45 years old, and the coastal metros are full of dated stock on high-value land. Spreads of $150K+ between acquisition and ARV are common in LA, Orange County, and San Diego for operators who can execute renovations at scale. Fix & flip financing covers up to 90% of purchase and 100% of rehab within 75% LTARV.
Our team has deep experience financing residential projects across California. Reach out to discuss your next deal.
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