We provide real estate investors with the capital they need to get their projects done.

Our clients trust us to provide the hard money loans they need but may be unable to obtain through traditional mortgage lenders. Our borrowers rely on our competitive terms, follow through, sensible underwriting and ability to close quickly to keep their deals moving.


Real estate investors trust Alta Capital Group to provide the capital they need to get their deals closed on time.  Maybe that’s why over 70% of our loans are made to repeat clients?

Our clients have trusted us to fund and close $200,000,000 worth of real estate. Give us a call and let us show you why Alta is the right partner for your next investment deal.

  • Rehab Fix & Flip Projects
  • Short-Term Rentals 1-4 units
  • Short Term Multifamily / Mixed-Use
  • Long-Term 30-Year Rentals for 1-4 Units
  • Long-Term 30-Year Multifamily / Mixed-Use
  • New Construction
  • Commercial

Property Geographic Area Details

Nationwide Except AK, NV, ND, OR, SD, VT

Loan Amounts

$100,000 to $30,000,000

Interest Rates

4.3% to 11%

Max Loan-To-Value


Max Loan-To-Cost


Origination Fees

1% to 3%

Loan Terms

9 months to 360 months

Lien Position

  • 1st

Loan Purpose

  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Invest in a Business
  • Business Working Capital
  • Value Add Project
  • Development Project

Property Occupancy

  • Vacant
  • Tenant Occupied 100%
  • Tenant Occupied Partial
  • Owner Occupied Commercial
Minimum Occupancy Percentage


Property Types and Loan Types

Collateral Types

  • Residential Property
  • Commercial Property

Property Types

  • 2-4 Units Residential
  • Commercial Condominium
  • Condominium
  • Industrial
  • Mixed-Use
  • Multifamily
  • Office
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • Retail
  • Single Family Residence
  • Storage Facility
  • Student Housing

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Residential Ground-Up Construction
  • Residential Long-Term Rental

Specialty Loan Types

  • 2nd Mortgage Equity Cash Out
  • Land Development
  • Residential Long-Term Rental
  • Note Purchase
  • Commercial Permanent Financing
  • Subdivisions

Purchase Loan

Max Loan-To-Purchase Price


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Equity in Another Investment Property
  • Equity in Primary Residence
  • Seller Financing
  • Gap Lender
  • Family

Rehab Value Add Loan

Alta offers rehab loan programs for both experienced and first time borrowers. *Experienced Fix and Flip/Rehab Program: - LTV: 90% of Purchase Price - LTARV: 75% max - Rehab Funds: 100% of rehab - Term: 12 months - Experience: 3 deals in last 3 years *New Investors: - LTV: 80% - LTARV: 75% - Rehab Funds: Up to 100% of rehab - Term: 12-24 months Our rehab loan programs are available in all states except AZ, OR, ND, NV, SD and VT

Experience Required


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Interest Charged for Renovation Costs

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw


Maximum After Repair Value


Construction Loan

Development Experience Required


Minimum Number of Ground-Up Construction Projects Completed by Borrower


Max LTC for Ground-Up Construction Costs


Interest Charged for Construction Costs

Only on Funds Drawn

Will Lend on Partially Completed Construction Projects


Residential Long-Term Rental

Minimum Loan Amount


Maximum Loan Amount


Minimum Interest Rate


Maximum Interest Rate


Minimum Origination Fee


Maximum Origination Fee


Minimum Loan Term

36 months

Maximum Loan Term

360 months

Maximum Loan-To-Value


Maximum Loan-To-Purchase


Minimum Debt Service Coverage Ratio


Will Lend on a Portfolio of Rentals


Minimum Number of Properties


Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Works With

  • Brokers
  • Borrowers

Payment Structure

  • Interest Only
  • Amortized

Pre Payment Penalty


Will lend to a foreign national


OK for long term rental loans

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


Borrower Entity Types Considered

  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation

Documentation Required

  • Credit Report
  • Bank Statements
  • Financial Statements
  • Loan Application

Personal Guaranty (Recourse) Required


Credit Check Required


Appraisal Required for Residential Property


Appraisal Required for Commercial Property


Broker Price Opinion (BPO) Accepted for Residential Property


Broker Price Opinion (BPO) Accepted for Commercial Property



Documents Fee

Environmental Report Fee

If necessary

Fees which are paid to a third party company

  • Appraisal Fee

Legal Disclaimer

The information contained herein is not intended as an offer to lend and reflects current requirements which may be modified or supplemented at any time, and from time to time without notice, at the sole discretion of Alta Capital Group, Inc. and any of its affiliates, partners, subsidiaries and/or assignees (collectively "Alta") Alta arranges and makes loans for business purpose only. Alta Capital Group, Inc. is licensed by California DBO California Finance Lender License 60DBO-90936. Alta Mortgage Fund, LLC is Licensed by California DBO Finance Lender License 60DBO-78165.

Alta Capital Group is proud to provide capital solutions tailored to almost any investor’s needs. We pride ourselves on our ability to offer creative solutions to the complex problems our clients present us with everyday. Alta is a direct lender and offers the following programs in almost every state.

  • REHAB – Purchase & refi options for rehabbers with the ability to finance up to 100% of construction costs
  • SHORT TERM BRIDGE – Non-construction bridge loans up to 36 months
  • LONG TERM RENTAL – 30 year, interest only, fixed rate options
  • NEW CONSTRUCTION – Non-dutch construction loans for developers
  • MULTIFAMILY / MIXED-USE – Rehab/Bridge capital for apartments & mixed-use projects
  • COMMERCIAL/INDUSTRIAL – Rehab/Bridge capital for commercial real estate
  • *NEW*: 30 year program for multifamily / mixed-use properties


  • Loans up to 90% of purchase price (LTP)
  • Up to 90% of the as-is value (LTV) for borrowers with 3+ experience
  • Up to 80% LTV for new borrowers in most states
  • Up to 75% of the after repair value (LTARV)
  • We can finance up to 100% of the rehab costs
  • Interest rates start at 7.49%
  • Purchase, Refinance and Cash Out
  • 6-24 month term
  • Property Types: 1-4 units, Multifamily, Mixed-Use


  • Up to 75% LTV
  • Interest from 7.49%
  • Purchase, Refinance & Cash Out
  • No DSCR / lease requirements
  • 12-24 month term
  • Property Types: 1-4 units, Multifamily, Mixed-Use


Our long term rental program for stabilized assets is one of the best in the industry. We offer a 30 year term with, fixed rate, ARM and interest only payment options. The minimum DSCR of 1.1, based on the non-amortized interest payment, makes our 30 year program ideal for properties in lower cash flow states like California.

  • 30 Year term
  • Interest rates from 4.30%
  • Interest only payments available
  • Intended for stabilized assets with tenants in place
  • Property Types: 1-4 units, multifamily, mixed-use
  • Minimum DSCR: 1.1


  • 80% LTC
  • Rates from 9.49%
  • SFR, Condo, Multifamily, Mixed-Use
  • Loan Amounts $250k – $10M
  • Must have ground up experience
  • Property Types: SFR, Multifamily, Mixed-Use, Apartments


  • Up to 80% LTV
  • Interest from 7.49%
  • Purchase, Refinance & Cash Out
  • 12-24 month term
  • Property Types: Multifamily 5+, Mixed-Use
  • *NEW* 30 year loan option

In the last 10 years, Alta Capital Group has grown to become a leading provider of private capital to real estate investors. Since our founding in 2009, we have dedicated ourselves to providing resources and solutions to enrich both our clients and their communities.

As a hard money lender, we lend capital to real estate investors who value our fast, no-nonsense approach. Our time-tested ability to follow through on our commitments has enabled us to raise capital, balance risk, and make sound investment decisions.

Alta leverages its partners vast experience in the real estate industry to put a team in place capable of raising capital, balancing risk and making sound investment decisions.

Alta Capital Group, Inc. is licensed by California DBO California Finance Lender License 60DBO-90936.


CFL Lic. 60DBO-90936

Company Size (Number of Employees)


Year Established



  • American Association of Private Lenders
  • California Mortgage Association

Office Locations

Alta Capital Group
17332 Irvine Boulevard, Suite 235, Tustin, California 92780

Primary Capital Source

  • Own Funds
  • Debt Fund We Manage

Alternative Capital Sources

  • Own Funds
  • Debt Fund We Manage
  • Individual Investors

Loan Structure for Majority of Loans

  • Own Balance Sheet
  • LLC Syndicated Investors

Alternative Loan Structures

  • One Investor One Loan
  • LLC Syndicated Investors

Percentage of company’s lending business focused on private mortgage


Company’s Other Business Activities Besides Private Mortgage Lending

  • Commercial Mortgage Brokerage
  • Commercial Mortgage Banking
  • Commercial Real Estate Investing

Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Residential Property


Percentage of Residential Property Loans Which are Fix and Flip


Percentage of Residential Property Loans Which are Buy and Hold


Percentage of Residential Property Loans Which are Ground-Up Construction


Percentage of Residential Property Loans Which are Long-Term Rental (5+ years)


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


2017 Number of Loans Funded


2017 Loan Volume Funded


2018 Number of Loans Funded


2018 Loan Volume Funded


James Bowie


AAPL - Certified Fund Manager, 20 years real estate experience

As President of Alta Capital Group, James oversees operations and business development for the company. Anticipating an emerging opportunity in distressed real estate investment, James founded Alta in 2009. Prior to Alta, James spent seven years as a commercial real estate broker with Lee & Associates, The Staubach Company and Grubb & Ellis. Throughout his time in commercial real estate, he specialized in the acquisition, disposition and leasing of investment property.

License Information
CA DRE Broker License - 01386080
NMLS - 1112474

Dani Duquette

Administrative & Marketing Assistant

Michael Soliven

Loan Officer

Jay - Broker

"I have completed numerous transactions with Alta and have found them to be knowledgable, honest, and reliable. If you are planning to work with them expect a pleasant and fair experience!"

Aldo - Broker

As a broker, I have done over 20 transactions with Alta. They are efficient, honest, and value relationships (mine and of my clients). They take an outside-the-box approach to underwriting each loan. They are an asset to my business. A great source for financing to have. Thank you for providing great service.

Melissa - Borrower

Very Professional! James Bowie has exceptional customer service! Highly recommended !!!

Anthony - Borrower

James is truly an asset to this company