Asher Evan Investments offers private money loans on Commercial and Non-Owner Occupied Residential Properties located throughout California. We specialize in creative financing in order to fund even the most hard to place loans. We can issue approvals within 24 hours of  receiving a package, and our large network of investors are able to fund and close loans quickly.



Loan Amounts
$50,000 to $1,500,000
Interest Rates
7% to 14%
Loan Terms
12 months to 60 months
Origination Fees
1% to 3.5%
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
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Owner Occupied Commercial

Property Types

  • 2-4 Units Residential
  • Agricultural
  • Assisted Living Facility
  • Auto Dealership
  • Auto Repair
  • Bed and Breakfast
  • Cannabis Dispensary
  • Car Wash
  • Child Day Care
  • Commercial Condominium
  • Commercial Land
  • Condominium
  • Gas Station
  • Golf Course
  • Healthcare
  • Hospital
  • Hotel
  • Industrial
  • Mixed-Use
  • Mobile Home
  • Mobile Home Park
  • Motel
  • Multifamily
  • Night Club
  • Office
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • RV Park
  • Retail
  • Senior Housing
  • Single Family Residence
  • Sports Facility
  • Storage Facility
  • Theater
  • Winery

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent

Agribusiness Types

  • Cannabis
  • Corn
  • Row Crops
  • Tree Nuts
  • Vegetables

Will Consider Cannabis Use Properties


Maximum LTV for Cannabis Use Properties


Cannabis Property Use Type

  • Retail Dispensary

Land Types Considered

  • Multifamily Land
  • Industrial Land
  • Office Land
  • Agricultural Land
  • Cannabis Use Land

Will Consider Land That is NOT Entitled


Max LTV for Land


Max LTC for Land Acquisition


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 Another Investment Property
  • Seller Financing
  • Family

Experience Required


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Legal Fee

At closing for loan documentation creation and review.

Minimum Origination Fee Amount


Fees which are mandatory for all new borrower clients

  • Legal Fee
  • Appraisal Fee
  • Credit Report Fee
  • Environmental Report Fee

Fees which are paid to a third party company

  • Legal Fee
  • Appraisal Fee
  • Escrow Fee
  • Title Fee
  • Credit Report Fee
  • Environmental Report 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


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
  • Non-Profit Corporation
  • Self-Directed IRA
Documentation Required
  • Credit Report
  • Tax Returns
  • Financial Statements
  • Loan Application
Personal Guaranty (Recourse) Required
Credit Check Required


Minimum Credit Score 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

All rates, programs, and pricing adjustments are subject to change at any time and without prior notice.

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Asher Evan Investments is a California Private Mortgage Lender. Using our private investors, we provide equity-based lending for real estate properties with loan amounts ranging from $50,000 to $1,500,000 on California commercial, multi-family, land and non-owner occupied residential properties. We specialize in working with borrowers who have difficulty with traditional bank qualifications, and borrowers who do not meet the stringent requirements of conventional underwriting guidelines.

With over 17 years of experience in Real Estate Investments, Commercial Mortgage Banking and Financial Services, we have had our share of hard to fund loans. With creative thinking and outside the box lending ideas, we have been able to close and fund loans on all types of Commercial and Multi-family properties, as well as special-use properties such as churches, gentlemen’s clubs, bowling alleys, golf courses and many more.


CA DRE #02048694, NMLS ID #1695216

Year Established



  • California Mortgage Association - Member
  • Carmichael Chamber of Commerce - Member

Office Locations

4901 Marconi Avenue, Carmichael, California 95608

Primary Capital Source
  • Individual Investors
Alternative Capital Sources
  • Family Offices
Loan Structure for Majority of Loans
  • Multiple Investor Fractionalized Note
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

Angelica D. Gardner


CA DRE Broker Lic. - 01741477
NMLS ID - 389461

Justin Gardner

Vice President

Contact Asher Evan Investments

Asher Evan Investments pays us to be listed, so there is no fee to connect with them directly.

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(916) 616-6203 (916) 616-XXXX
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