Center Street Lending
Irvine, CA
CFL #D60BO57755, CA DRE Lic #01883377, NMLS ID 905781, AZ MBL #0930263, OR Lic #ML-5838, MLD1180
Smarter Loans for Residential Investors™
Center Street Lending is a direct private hard money lender for residential real estate investors. We are personally invested in each and every loan. We deliver easy transactions that are competitively priced and swiftly executed. Above all we are committed to our customers’ success because when they succeed it’s good for everyone. We offer 4 loan programs: Fix & Flip, Rental, Bridge,New Construction
Please note: We do not offer loans secured by owner-occupied homes or commercial real estate.
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Fix & Flip Program Criteria
To get a Fix and Flip loan started you will need:
3+ Fix & Flips completed in the last 24 months
A 650+ minimum score
$100,000 up to $2,500,000 non-owner occupied property
2 months of recent bank statements
Score and background check
Rental Property Program Criteria
To get a Rental Property Loan started you will need:
A minimum of 1 stabilized rental property for 12 months
A 650+ minimum score
$150,000 up to $2,500,000 non-owner occupied property
2 months of recent bank statements
Score and background check
Bridge Program Criteria
To get a Bridge Loan started you will need:
A minimum of 1 stabilized property in the last 12 months
A 650+ minimum score
$150,000 up to $2,500,000 non-owner occupied property
2 months of recent bank statements
Score and background check
Ground Up Construction Program Criteria
To get a Ground Up Construction loan started you will need:
1 Ground Up Construction project in the last 24 months or equivalent experience
A 680+ minimum score
$250,000 up to $2,500,000 non-owner occupied property
2 months of recent bank statements
Score and background check
Detailed budget of total costs
Property Types
- 2-4 Units Residential
- Condominium
- 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
- Condo Conversion
- Residential Long-Term Rental
Max Loan-to-Purchase Price
85%Borrower Must Have Property Under Contract
yesWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
yesAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Another Investment Property
- Seller Financing
- Gap Lender
Experience Required
yesMinimum Number of Value-Add Projects Completed by Borrower
1Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
85%Typical Number of Days for Funds Draw
4Maximum After Repair Value
75.00%Development Experience Required
yesMinimum Number of Ground-Up Construction Projects Completed by Borrower
2Max LTC for Ground-Up Construction Costs
75%Interest Charged for Construction Costs
Only on Funds DrawnWill Lend on Partially Completed Construction Projects
yesFees which are mandatory for all new borrower clients
- Processing Fee
- Appraisal Fee
- Escrow Fee
- Title Fee
Fees which are paid to a third party company
- Settlement Fee
- Appraisal Fee
- Escrow Fee
- Title Fee
- Renovation or Construction Funds Draw Fee
- Other Fee
Center Street Lending Testimonials
""They were quick and efficient right down to every detail. There is no way I would have been able to close on my purchase in the time I did if it wasn’t for Center Street’s rapid funding.” "
Murrieta, CA
""I want to personally thank each and everyone of you for the hard work, persistence and dedication to get this deal done. We truly appreciate the extra effort! We look forward to doing more business with Center Street Lending in the future.” "
Cape Coral, FL
""Outstanding professionalism. Center Street exemplifies a professional lender.”"
Whittier, CA
""Center Street Lending has great programs and structures. I have tried out a number of different lenders and Center Street made the process the easiest.” "
Gilbert, AZ
""I appreciate how professional the staff at Center Street has been. Even when things got a bit difficult, as they do during rehab projects, it was always a pleasure to speak with everybody at the office.""
Los Angeles, CA
Get In Touch
Stay Informed About Private Lending
Center Street Lending, a leading direct hard money lender in Southern California recently hit a major milestone: $2 Billion in total originations since the company launched in 2010. This recognizable achievement follows a record-breaking month in July 2021 as the company exceeded a company best at $86.9MM.
Our management team has been involved in the financing of real estate since 1992 and has financed billions of dollars of residential real estate. We offer flexible underwriting and attractively priced loans. If you are a residential real estate investor, we would welcome the opportunity to provide you with a loan for your next investment purchase and to become your preferred lender. Center Street Lending is a private money portfolio lender that provides business-purpose loans for single-family and multi-family investments.
Vision: Help customers prosper and communities flourish.
Mission: Optimize customer success and build trusted partnerships. Provide lending solutions to our residential real estate investors-customers to help them succeed and together rebuild quality residential neighborhoods that we can both be proud of.
Why: We are excited about working with real estate entrepreneurs. Every property purchase and renovation reflect a piece of the American Dream to our clients and the communities they serve. We add value beyond lending by openly sharing our knowledge and resources. We want our customers to have every opportunity for success because when they succeed, communities win.
Office Locations
Center Street Lending8301 Von Karman Ave # 330 , Irvine, CA 92612
Our Team
Funded Deals
Center Street Lending
Hollywood, FL
$825,000
Purchase
Center Street Lending
Los Angeles, CA
$3,900,000
Residential Fix and Flip
Center Street Lending
Denver, CO
$555,000
Refinance
Center Street Lending
Los Gatos, CA
$2,655,000
Purchase
Center Street Lending
Huntington Beach, CA
$4,000,000
Refinance
Get In Touch
Stay Informed About Private Lending
Our Minimum Loan Amount Is
$250,000
What We Do
- Residential Investment Properties Only
- Bridge, Fix & Flip, Rental, Construction
- Up to 85% Loan-to-Cost
- 15%+ Cash Required for Flip Purchase
- 650+ Credit Score Required
Not Available
- NO 100% Financing
- NO Commercial Properties
- NO Owner-Occupied Homes
- NO Junior Liens or Gap Funding
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