SFR, Multi-Fam, Commercial, Industrial
Up to 80% Loan to Cost
Rehab reserve up to 80% of budget
Average rate is 9% and 1-2 points + $750-$1250 processing fee
No appraisal is required prior to funding

Property Geographic Area Details
Loan Amounts
$150,000 to $10,000,000
Interest Rates
8.5% to 10%
Loan Terms
6 months to 18 months
Origination Fees
0.50% to 2%
Lien Position
Collateral Types
  • Residential Property
  • Commercial Property
  • Business
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Value Add Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Owner Occupied Commercial

Property Types

  • 2-4 Units Residential
  • Assisted Living Facility
  • Condominium
  • Cooperative
  • Golf Course
  • Industrial
  • Mixed-Use
  • Mobile Home Park
  • Multifamily
  • Office
  • Single Family Residence
  • Storage Facility

Loan Types

  • Private Money
  • Commercial Bridge
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent
20% cash required at closing

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
Borrower must contribute 20% of the total rehab budget, and draws are disbursed after receipts have been approved. Experience required for major rehab projects.

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


Multi-Purpose Lender Fee

Processing, Docs, Appraisal

Fees which are mandatory for all new borrower clients

  • Multi-Purpose Lender Fee

Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Payment Structure
  • Interest Only
  • Interest Reserve
Pre Payment Penalty


2 months guaranteed interest
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
Documentation Required
  • Credit Report
  • Loan Application
Personal Guaranty (Recourse) Required
Credit Check Required


Credit Check Description

No minimum credit score

Appraisal Required for Residential Property

Always After Funding

Appraisal Required for Commercial Property

Always After Funding

Broker Price Opinion (BPO) Accepted for Residential Property

Broker Price Opinion (BPO) Accepted for Commercial Property

Get In Touch

PrideCo pays us to be listed, so there is no fee to connect with them directly. Share your loan request, send a simple email, call, or visit their website.

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PrideCo was established in 2006 and we began lending in real estate in 2009. We are a CFL licensed private lender and we lend our own money. Since our inception, we have continued to focus on key markets in California. We provide a private hard money lending platform for seasoned real estate investors. All of our loans are non-consumer, non-owner occupied.

Our small team enables us to work fast and efficiently for a wide range of real estate investors and their investment needs. All of our underwriting and servicing is completed in-house. We do not charge additional fees or hidden closing costs nor do we charge rehab draw fees for rehab reserve funds.


We work with other hard money lenders in California. We focus on major markets in Southern California and the San Francisco Bay Area with a few deals in Minnesota and Wisconsin.

Ultimately our focus stays with markets we know well and will perform well in up or down markets. Because we have offices in multiple locations it helps us keep a pulse on current market fluctuations and trends; as well as relationships with brokers and borrowers experienced in these locations.


CA DRE Broker Lic. 02085426, NMLS ID 1868706

Company Size (Number of Employees)


Year Established


Office Locations

120 Newport Center Drive, Newport Beach, California 92660

Primary Capital Source
  • Own Funds
  • Family Offices

Our Team

Huy Do

Managing Director

Gary Wallace

Head of Originations

CA DRE Broker Lic. - 02085426
NMLS ID - 1068706

Brett Rogers

Head of Construction Lending

Christen Cook

Director of Operation

Michael Anderson

Operations and Secondary Market

Michelle O’Campo

Operations Coordinator

Michelle Horgan

Operations Manager/West Coast and Special Projects

Get In Touch

PrideCo pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates

Create a Loan Request

Be more efficient with your lender search. Provide the loan details once, save it, and then share it with multiple lenders.

Contact PrideCo by whichever method you choose.

If you submit a loan request or email, it will be sent to the lender, and they will reply to you directly. A copy will be saved in our database. We will not share your information unless you ask us for recommendations.


Our Minimum Loan Amount Is


What We Do

  • SFR, Condos, Multifamily, Office, Industrial
  • Bridge Loans, Rehab, Fix & Flip
  • LTV up to 70% for Bridge Loans
  • LTC up to 80% of purchase, 80% of rehab
  • Appraisals Done AFTER Funding

Not Available

  • NO 100% Financing
  • NO Owner-Occupied Homes
  • NO Cannabis-Use Properties
  • NO Specialty Commercial Properties

Send an email to PrideCo