Best Lending Co
San Diego, California
CA DRE Broker Lic. 02117164
Direct Private Lender Focused on Providing a Better Borrowing Experience
Best Lending Co. is a direct private lending company that offers a streamlined process for real estate investors to get financing for a variety of loan types. Our proprietary technology allow clients to apply and close transactions 100% online. We have funded over $125MM of loans as of early 2025, and most of our business is from repeat clients.
- Lending on Residential Investment Properties in 17 states
- Lending on Multifamily Properties up to 20 Units
- Bridge Loans – purchase, refinance, equity cash out
- Rehab Fix and Flip (or Rent) – experience not required
- 30-Year DSCR Rental Loans up to 80% purchase, 75% refinance
- Ground-Up Construction – single house or multiple homes
Please Note: We do not offer loans for owner-occupied homes, vacant land, or commercial real estate.
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Maximum Leverage
Purchase Short-Term (no Value-Add)
Purchase Long-Term
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Refinance Long-Term
Residential Fix & Flip
Residential Rehab & Hold
Multifamily Value-Add
Residential Construction
Multifamily Construction
1.) Fix n Flip (1-4 units)
– Up to 85% of purchase + 100% Rehab
– Or, up to 90% LTC **95% LTC / 90% PP + 100% Rehab available on 10+ borrowers, light rehab deals**
– 9.50% min interest rate – as disbursed
– 1.5% origination fee min
– 6~24 month terms
– No prepay penalty
– 5~10 day closings
– $150k min loan amount (not including rehab)
– $1795-$2500 doc fee (covers legal, credit, flood, etc – but not appraisal)
2.) Bridge (Residential and Commercial Real Estate)
– Up to 75% LTV
– 9.50% interest rate min
– 1.5% origination fee min
– 6~24 month terms
– No prepay penalty
– 5~10 day closings
– $150k min loan amount
– $1795-$2500 doc fee (covers legal, credit, flood, etc – but not appraisal)
3.) Perm Residential “DSCR” Rental
– Up to 80% Purchase or 75% LTV refi (Short Term Rentals (STR), Airbnbs, VRBOs allowed!)
– 6.75% interest rate min
– 1.5% origination min
– 30 year fixed term
– 5 or 3 year prepay penalty (5,4,3,2,1% or 6 month fee structure)
– 15 day closings min
– DSCR > 1.0
– $100k min loan amount ($2500 min origination)
– $1795-$2500 doc fee (covers legal, credit, flood, etc – but not appraisal)
4.) Development / New Construction
– Up to 85% LTC
– 9.99% min interest – as disbursed
– Residential, commercial, vertical construction only, plans must be approved
– 12~24 month terms
– 5~15 day closings
– Experience required
– $250k min loan amount
– 3 completed construction projects required
– Strong liquidity and financials required
– $2500-$5000 doc fee (covers legal, credit, flood, budget review, etc – but not appraisal)
Property Types
- 2-4 Units Residential
- Multifamily
- Single Family Residence
Loan Types
- Private Money
- Hard Money
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
- Residential Ground-Up Construction
Specialty Loan Types
- Luxury Homes
- Vacation Rental
Experience Required
noMinimum Number of Value-Add Projects Completed by Borrower
0Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
100%Interest Charged for Renovation Costs
Only on Funds DrawnTypical Number of Days for Funds Draw
5Maximum After Repair Value
75%Development Experience Required
yesMinimum Number of Ground-Up Construction Projects Completed by Borrower
3Max LTC for Ground-Up Construction Costs
85%Interest Charged for Construction Costs
Only on Funds DrawnWill Lend on Partially Completed Construction Projects
yesMinimum Loan Amount
$55,000Maximum Loan Amount
$2,500,000Minimum Interest Rate
6.50%Maximum Interest Rate
9.5%Minimum Origination Fee
1%Maximum Origination Fee
3%Maximum Loan-To-Value
80%Maximum Loan-To-Purchase
80%Seasoning Time
3 monthsMinimum Debt Service Coverage Ratio
1.00Minimum Credit Score
680Will Lend on a Portfolio of Properties
YesMinimum Number of Properties
2Maximum Number of Properties
50Minimum Property Value
$75,000Minimum Loan Amount
$200,000Maximum Loan Amount
$3,000,000Minimum Interest Rate
7.00%Maximum Interest Rate
10.00%Minimum Origination Fee
1%Maximum Origination Fee
3%Minimum Loan Term
60 monthsMaximum Loan Term
360 monthsSeasoning Time
6 monthsMinimum Debt Service Coverage Ratio
1.25Minimum Credit Score
680Maximum Number of Units
10Processing Fee
$1500-$3000 single fee for all processing fee
Minimum Origination Fee Amount
$2,500
Fees which are paid to a third party company
- Appraisal Fee
- Escrow Fee
- Title Fee
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Our Disruptive Vision
An unparalleled private lending experience with innovative technology and client focused systems.
- Team – Our founding team came together to provide some much needed disruption to the real estate investment financing industry.
- Relationship – Our direct line of communication between you and the decision maker allows for efficiency and transparency. And trust is what makes relationships last.
- Technology – Our goal is to completely automate the loan closing process. Therefore, we have dedicated resources to advance our proprietary software development.
- Education – We are all students of life, for life. Real estate is an ever changing market, so we need to apply the same discipline. Our daily research is made public in our education section. We want everyone to benefit from knowledge together.
Associations
- American Association of Private Lenders
Office Locations
Best Lending Co Inc10505 Sorrento Valley Road, Suite 125, San Diego, California 92121
Our Team
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