Direct Lender for California Real Estate Investors

At MOR Financial, our programs are customizable to meet each borrower’s needs. Whether that means highest possible leverage for a fix and flip transaction, lowest interest rate and fees for a refinance and everything in between.

  • Loan Amounts Up to $3M
  • Purchase & Refinance Bridge Loans
  • Residential Fix & Flip (or Rent) Loans
    • 100% Loan-to-Purchase Price
    • Borrower pays for entire rehab budget
  • Cannabis-Use Properties (in large metro areas)
  • Land Loans in Urban and Suburban areas
  • Flexible valuation options – BPO, desktop appraisal, etc.
  • Zero Points option

Please note: We do not offer loans for owner-occupied homes or ground-up construction projects.

Property Geographic Area Details
California only - primary and secondary markets. No rural areas.
Loan Amounts
$100,000 to $3,000,000
Interest Rates
7.99% to 11.99%
Loan Terms
6 months to 36 months
Origination Fees
0% 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
  • Value Add Project
  • Development Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Owner Occupied Commercial

Maximum Leverage

Purchase Short-Term (no Value-Add)
Max LTP Residential: 75%
Max LTP Multifamily: 70%
Max LTP Commercial: 65%
Max LTP Land: 50%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 75%
Max LTV 1st Lien Multifamily: 70%
Max LTV 1st Lien Commercial: 65%
Max LTV 1st Lien Land: 50%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 65%
Max LTV 1st Lien Multifamily: 65%
Max LTV 1st Lien Commercial: 50%
Residential Fix & Flip
Max LTP: 100%
Max LTARV: 70%
Residential Rehab & Hold
Max LTP: 100%
Max LTARV: 70%
Multifamily Value-Add
Max LTP: 100%
Max LTARV: 70%
Commercial Value-Add
Max LTP: 70%
Max LTARV: 65%

Property Types

  • 2-4 Units Residential
  • Auto Repair
  • Cannabis Dispensary
  • Commercial Condominium
  • Commercial Land
  • Condominium
  • Gas Station
  • Industrial
  • Mixed-Use
  • Multifamily
  • Office
  • Parking Lot
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • Residential Land
  • Retail
  • Single Family Residence

Loan Types

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

Specialty Loan Types

  • Cannabis Use Properties


For land, we only consider a purchase or the refinance of another loan. We do NOT offer cash out for land.

Land Types Considered

  • Residential Land
  • Multifamily Land
  • Industrial Land
  • Office Land
  • Retail Land
  • Hospitality Land
  • Cannabis Use Land
  • Covered Land

Will Consider Land That is NOT Entitled


Max LTV for Land


Max LTC for Land Acquisition

We only offer 100% loan-to-purchase for residential rehab projects. For non-rehab loans, borrowers will need a down payment of 25-35% in the form of cash or equity in another property.

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
Our rehab fix & flip or fix & rent loans are structured differently than most other private lending companies. We'll fund up to 100% of the purchase price, but the investor/borrower must provide all the funds for the rehab. The rehab funds are placed in a controlled non-interest bearing escrow. 20% of the funds are released immediately after funding, and the rest of the funds are released after inspections for each phase of the project.

Experience Required


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Typical Number of Days for Funds Draw


Maximum After Repair Value


Multi-Purpose Lender Fee

We charge a multi-purpose fee in additional to the origination fee. It covers loan documents, wire fees, underwriting, and loan processing, rehab draw fees (if applicable).

Appraisal Fee

Appraisal fees are paid directly to the appraiser

Renovation Construction Draw Fee

$Inspection fees are paid directly to the inspector.

Minimum Origination Fee Amount


Fees which are paid to a third party company

  • Appraisal Fee
  • Renovation or Construction Funds Draw Fee

Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Payment Structure
  • Interest Only
  • Interest Reserve
Payment Structure Details

Interest Only Payments - No Pre Payment Penalty

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


Will consider equity partnerships for experienced rehabbers.
Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
  • Self-Directed IRA
Documentation Required
  • Credit Report
  • Bank Statements
  • Loan Application
Personal Guaranty (Recourse) Required
Credit Check Required


Minimum Credit Score Required


Credit Check Description

Will pull credit but are more concerned with the asset, as we are an asset based lender.

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, terms, and fees are subject to change without notice. All loans offered are only available to investment, non-owner occupied properties. Pricing is based on area, risk, and track record. A full loan application, ability to service the note, and a full appraisal prior to commitment to fund are required.

Additional Details

We don't always require a full appraisal. In many cases a BPO or hybrid valuation is accepted.

Contact MOR Financial

MOR Financial pays us to be listed, so there is no fee to connect with them directly.

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About MOR Financial Services, Inc.

  • California Hard Money Lender / Asset Based Lender
  • We handle loan origination to loan servicing (Post Closing). We do not send you to a different servicer.
  •  We manage our own Investment fund to close these loan originations.
  • Since we manage our own fund, we make the decision to approve a loan.
  • We can customize loans to fit your needs.
  • We can fund your deal as fast as 3 days!



CA DRE Broker Lic. 01860343

Company Size (Number of Employees)


Year Established


Office Locations

1100 Wilshire Boulevard, Suite 3302, Los Angeles, California 90017

Primary Capital Source
  • Own Funds
  • Debt Fund We Manage
  • Individual Investors
Alternative Capital Sources
  • Own Funds
  • Debt Fund We Manage
  • Family Offices
Loan Structure for Majority of Loans
  • Own Balance Sheet
  • One Investor One Loan
  • 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

Sean Morsi

Fund Manager, Founder

CA DRE Broker Lic. - 01442047

Antony Tobar

Investor Relations

CA DRE Lic. - 02057418

Contact MOR Financial

MOR Financial pays us to be listed, so there is no fee to connect with them directly.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates

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Our Minimum Loan Amount Is


What We Do

  • Investment Properties in California
  • Residential Bridge up to 75% LTV
  • Commercial Real Estate up to 65% LTV
  • Creative Structures for SFR Rehabs
  • Cannabis-Use Properties up to 55% LTV

Not Available

  • NO Owner-Occupied Homes
  • NO 2nd Cash Out or Gap Funding
  • NO Ground-Up Construction
  • NO Special Purpose Properties
  • NO Rural Areas

Send an email to MOR Financial