Direct Hard Money Lender for California Property Investors

Aztec Financial is a California hard money lender specializing in fix and flip projects. We now offer some of the best pricing in the industry as well as more flexibility than anyone. Will also do cash out on any type of real estate in California. We don’t like red tape and we won’t red tape you like the other lenders like to do. We allow no money down deals. We do them all the time.

Please note: We do not offer loans secured by owner-occupied homes, except cash out loans where the funds will be used for a business or investment purpose.

Property Geographic Area Details

Anywhere in California with the exception of extremely rural properties.

Loan Amounts

$33,000 to $3,000,000

Interest Rates

7.987% to 10.987%

Max Loan-To-Value


Max Loan-To-Cost


Origination Fees

1% to 3%

Loan Terms

1 months to 120 months

Lien Position

  • 1st
  • 2nd
  • 3rd
  • 4th

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%
  • Owner Occupied Commercial
  • Owner Occupied Residential

Property Types and Loan Types

Collateral Types

  • Residential Property
  • Commercial Property

Property Types

  • 2-4 Units Residential
  • Adult Day Care
  • Assisted Living Facility
  • Auto Dealership
  • Auto Repair
  • Bed and Breakfast
  • Cannabis Dispensary
  • Cannabis Grow Facility
  • Car Wash
  • Casino
  • Child Day Care
  • Cinema
  • Club
  • Commercial Condominium
  • Commercial Land
  • Community Center
  • Condominium
  • Cooperative
  • Equestrian
  • Gas Station
  • Golf Course
  • Gym
  • Healthcare
  • Hospital
  • Hostel
  • Hotel
  • Industrial
  • Marina
  • Mixed-Use
  • Mobile Home Park
  • Motel
  • Multifamily
  • Night Club
  • Office
  • Parking Lot
  • Place of Worship
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • RV Park
  • Ranch
  • Recreational
  • Rehabilitation Facility
  • Religious Facility
  • Residential Land
  • Retail
  • Senior Housing
  • Single Family Residence
  • Sports Facility
  • Storage Facility
  • Student Housing
  • Theater
  • Vehicle Parking
  • Winery

Loan Types

  • Private Money
  • Hard Money
  • Commercial Bridge
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Commercial Ground-Up Construction
  • Residential Ground-Up Construction
  • Mezzanine

Specialty Loan Types

  • 2nd Mortgage Equity Cash Out
  • 3rd Mortgage Equity Cash Out
  • Land Development
  • Residential Long-Term Rental
  • Note Purchase
  • Reverse 1031 Exchange
  • Partner Buyout
  • Discounted Note Payoff
  • Bankruptcy Resolution
  • Foreclosure Bailout
  • Line of Credit Single Property
  • Line of Credit Portfolio of Properties
  • Cannabis Use Properties
  • Primary Residence Business Purpose Cash Out
  • Residential Equity Share
  • Transactional Funding
  • Earnest Money Deposit

Junior Liens

Junior Lien Loan Amounts

$33,000 to $3,000,000

Junior Lien Interest Rates

9.9% to 11.9%

Junior Lien Loan-to-Value


Junior Lien Loan-to-Cost


Junior Lien Origination Fees

1% to 4%

We Fund Junior Position Loans


Junior Lien Types

  • Purchase
  • Refinance
  • Equity Cash Out
  • Mezzanine
  • Preferred Equity
Minimum Origination Fee is $2,500.

Will Consider Cannabis Use Properties


Maximum LTV for Cannabis Use Properties


Cannabis Property Use Type

  • Retail Dispensary
  • Retail Sales

Land Loan


For a land purchase, we can go up to 80% of the purchase price. For a refinance, we can go up to 70% LTV.

Land Types Considered

  • Residential Land
  • Multifamily Land
  • Industrial Land
  • Office Land
  • Retail Land
  • Hospitality Land
  • Agricultural Land
  • Special Purpose Land
  • Cannabis Use Land

Will Consider Land That is NOT Entitled


Existing Land Improvements Required

  • Street Access
  • Electricity
  • Gas
  • Water
  • Communication
  • Residential Structure
  • Commercial Structure

Max LTV for Land


Max LTC for Land Acquisition


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
  • Family

Rehab Value Add Loan

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

Entire Amount of Total Project Costs

Will Lend on Partially Completed Construction Projects


Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Works With

  • Brokers
  • Borrowers

Payment Structure

  • Interest Only
  • Amortized
  • Interest Reserve
  • No Monthly Payments Required

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
  • 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



Other Fee

Admin Fee

Fees which are charged upfront prior to loan closing

  • Other Fee

Additional Details

Our minimum origination fee is $2,500. At Aztec Financial we typically do not charge any upfront appraisal fees. It never cost you anything to run a deal by us. From the time you email us a copy of the signed accepted purchase contract, your estimate for repairs, and what you think the ARV (after repaired value) is we will get back to you within 24 hours, and let you know the exact loan figures, and offer you a couple different loan options.

Aztec Financial was established in 1987 with the mission of creating extraordinary mortgage solutions for the people of California. We are a direct lender specializing in fix and flip loans, hard money/private equity, construction loans, and creative lending solutions. If you are a fix and flipper — buying, refurbishing, and then selling fixer or bank-owned properties, or are simply looking to pull cash out of any type of property (residential or commercial) — we have programs specifically for you.

  • Specializing in the California fix and flip loan market since 1987
  • No upfront appraisal fee so it doesn’t cost you anything to run the deal by us
  • Flexible to custom make a loan based on your business model

Aztec Financial is licensed by the California Department of Real Estate (License #01220918) and is recognized as an industry leader, with a reputation for funding difficult loans. We pride ourselves on funding very quickly with no red tape. Aztec Financial has loan programs available to fit nearly any situation, including poor credit, bankruptcy or foreclosure. For the past 22 years, we have helped everyone from first-time real estate investors to major developers acquire the perfect funding solution.

We are a family owned firm that boasts a friendly and loyal staff of investment counselors, loan officers, loan processors and support personnel, most of whom have been with us for many years. Our primary niche is dealing with fix and flip buyers — seasoned and experienced contractors/brokers/investors who specialize in acquiring fixer properties far below market value. We also offer loans for “spec” homes, apartment buildings, commercial properties, or business loans secured by real estate. Make Aztec Financial your “one stop shop” for your real estate loans.


CA DRE Lic. 01220918

Year Established


Office Locations

2624 West Magnolia Boulevard, Burbank, California 91505

Primary Capital Source

  • Own Funds

Loan Structure for Majority of Loans

  • Own Balance Sheet

Percentage of company’s lending business focused on private mortgage


Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Residential Property


Joel Hoffman


License Information
CA DRE Broker Lic. - 00858425

I've been a Real estate Broker and Investor for over 15 years. Aztec Financial has provided funding for several of my projects. The most important factors and services a private party lender can provide is timely funding and flexibility in structure. Aztec has never failed to fund my deals once a loan commitment has been issued. This gives me confidence to know once I make an offer, I can close the deal. The staff is overwhelmingly courteous to help you through the entire process, from execution of loan documents, servicing of the loan, timely inspections and the closing of your transaction. If you are an real estate investor looking for fast, flexible funding, I highly recommend Aztec Financial as your go to lender!

Kenneth B.

I have worked with at least 5 of the top private lenders and Aztec Financial has been the best for me, with well over 40 transactions together Joe, Melanie, Kenny and the rest of the team have given me nothing but the best, Top notch quality service, no other private lender has been able to match what Aztec Financial does for me, I highly recommend.

Gus I.

Aztec Financial has been the my go to lender for the past 19 years. They make it quick and easy without a lot of red tape. They understand the real estate investor and work with you on your goals. I have dealt with many lenders and have to say that the Aztec staff and customer service is also what sets them apart from the rest.

Austin L.

Aztec Financial not only offers great terms and fair pricing, they also go out of their way to ensure your success while providing great customer service. They are second to none.

George W.

When your offer is accepted it is imperative that your lender is ready and able to respond. My last two transactions were accepted and Aztecs funds were ready to be wired in 48 hours. Aztec has been dependable in funding more than fifty (50) transactions for my company.

Marvin F.

As a real estate agent that works strictly for investors we always strive to find the best contacts for our investors. As far as lending goes we now only use one representative for all our investors. Richard with Aztec consistently gives us a smooth transaction with none of the hassle and confusion that usually comes with this type of lending. He's straight forward, honest and quick to help us; which seems like its a rare and uncommon thing to find in the industry. They surely have made a repeat customer of us and our clients. Thank you Aztec Financial and thank you Richard!

Bob J.

When I was a first time investor Aztec Financial was the only lender that would take a chance on me as I had no experience. They lent me the money I needed to close and walked me through the process. I was able to learn how to flip houses as Aztec Financial made the process easy for me. I have ended up flipping 14 homes through Aztec Financial. Thank you for taking a chance on me Aztec Financial and I will definitely call you when another project comes up!

Devlin D.

Melanie and Joel are great to work with!! I've been doing business with Aztec since the start of my real estate career. This was my first lender and is still my preferred/go-to lender. I've purchased several properties throughout the years and have worked with various hard-money & private lenders, Melanie has always shown the best customer service and has always been helpful. They are knowledgeable and offer great terms! I'm glad to have them as a lender, they have helped me out tremendously and without them I would not have the success I have today.

Lino P.

We have been using Aztec Financial since 2011. We have had nothing but great experiences with them. Joel and Melanie have helped us facilitate deals that would not be possible without them. They've pulled through for us on every flip and have even been able to fund deals for us within a few days on an emergency basis. Communication is excellent and fees are competitive. This is a lender that I truly know I can rely on to make a deal happen. We've been profitable every single time with their help. I'm comfortable not only using them for my own flips but for referring my colleagues to. Call them with confidence.

Ron S.

I would like to say Thank you to Aztec Financial for providing me with Excellent service for the past 10 plus years. I have been flipping properties since 2003 and when I was introduced to Aztec it allowed me to expand my investment opportunities. I have always been treated great and given the lowest interest rate possible. Keep up the great work and I look forward to continue doing business for many years to come.

David G.

I can say one thing about Aztec Financial, it's all about the staff! The ladies in the office and Kenny are Aztec Financial! Melanie, Monica, Chloe, Regina, and Kenny are the most "Loyal" employees I have come across, the owners should be so grateful, you can see this when they perform to get the loan closed within a five day process or less, they are the rock of Aztec Financial... thanks Guys!

J. Camile

I just want to write a review about my experience with Aztec Financial over the last 2yrs. Joel and his staff are great and fast with the funds without "no hassle" I had a deal on the table and the other company keep dragging me along costing me $200 a day because of the expiration period. Called Joel, he had me funded the next day no lie! Koodos! To Aztec financial.

Scottie T.

I have done business with Aztec Financial for over 25 years. I have done business with them since they had a small retail operation on Melrose Ave. I have personally done many real estate transactions with them. They can go through the process faster than most other companies when you need their financing services. They have always provided me with fast, professional, and competitive hard money financing. They have been an excellent source for my loans on different rehab projects. Their staff is very efficient and friendly in obtaining the necessary forms and documents to expedite the loan process. Without the assistance of Aztec Financial, many of my real estate projects would not have been able to be completed. Joel and Carrel Hoffman are very professional and always available to help answer questions for the beginner and more experienced investors. I have the utmost confidence in the company and have personally referred many clients to them. My past real estate transactions and overall confidence has been extremely satisfying. I'm grateful and thankful for our past real estate deals.

Edward C.

"Since working with Eric at Aztec, I've been able to grow my business with the confidence of knowing I'll have the necessary funds needed to close a deal. His customer service is exceptional! I've done several deals now using Aztec and I have zero complaints. They move quick to get funding and are very helpful every step of the way. I'm even able to get funding with just a few days notice. Eric has also been very creative to make a deal work for me when the numbers were tight. This is an honest company to work with and the fees are competitive. They are also able to fund larger deals then other lenders. I recommend Aztec to all of my investor friends."

A. Rahman

Before You Contact Us

Our Minimum Loan Amount Is


What We Do

  • Investment Properties in California only
  • Residential & Commercial, including Land
  • Bridge, Flip, Construction, 2nds, 3rds
  • LTP Up to 900% for Flip Projects

Not Available

  • NO Consumer Purpose Loans
  • NO Personal Loans
  • NO Gap Funding

Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.


At the end of the form you can enter the additional properties.

(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


how will the loan be paid off?


Add links to photos here.


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