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 $50,000,000
Interest Rates
6.50% to 11%
Loan Terms
12 months to 360 months
Origination Fees
1% to 3%
Lien Position
Collateral Types
  • Residential Property
  • Commercial Property
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

Maximum Leverage

Purchase Short-Term (no Value-Add):
Max LTP Residential: 80%
Max LTP Multifamily: 75%
Max LTP Commercial: 75%
Max LTP Land: 65%
Max CLTP Mezzanine: 75%
Max CLTP Pref Equity: 75%
Purchase Long-Term
Max LTP Residential: 80%
Max LTP Multifamily: 75%

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

Property Types

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

Loan Types

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

Specialty Loan Types

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

Will Consider Land That is NOT Entitled


Max LTV for Land


Max LTC for Land Acquisition


Junior Lien Types

  • Purchase
  • Refinance
  • Equity Cash Out

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
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


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


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

Minimum Debt Service Coverage Ratio


Will Lend on a Portfolio of Properties


Minimum Number of Properties


Environmental Report Fee

If necessary

Fees which are paid to a third party company

  • Appraisal Fee

Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


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


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.

Funded Deals

Alta Capital Group Testimonials

Get In Touch

Alta Capital Group pays us to be listed, so there is no fee to connect with them directly. Share your loan request, send a simple email, call, or visit their website.

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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 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
  • Individual Investors
Alternative Capital Sources
  • Own Funds
  • Debt Fund We Manage
  • Individual Investors
Loan Structure for Majority of Loans
  • Own Balance Sheet
  • LLC Syndicated Investors
Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Residential Property


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


Our Team

James Bowie


CA DRE - 01386080
NMLS - 1112474

Dani Duquette


Aldo Baltodano

Loan Officer

Get In Touch

Alta Capital Group pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates

Create a Loan Request

Be more efficient with your lender search. Provide the loan details once, save it, and then share it with multiple lenders.

Contact Alta Capital Group by whichever method you choose.

If you submit a loan request or email, it will be sent to the lender, and they will reply to you directly. A copy will be saved in our database. We will not share your information unless you ask us for recommendations.


Our Minimum Loan Amount Is


What We Do

  • Bridge, Rehab, Rental, Construction Loans
  • Short-Term and Long-Term Lending
  • Residential & Commercial Properties
  • LTP up to 90% for Flip Projects

Not Available

  • NO Owner-Occupied Homes
  • NO Land Loans
  • NO 2nd's or Junior Liens
  • NO Rural Areas

Send an email to Alta Capital Group