Red Tower Capital, Inc.
San Francisco, California
CA DRE Lic. 01912381, NMLS ID 951838
Direct Private Lender for Bay Area Real Estate Investors
Red Tower Capital is a direct private money lending company based in San Francisco. We focus on providing quality alternative real estate financing to residential and commercial property owners in Northern California. We have different underwriting standards than banks or other more conventional sources. This allows us to be flexible and offer you competitive rates and terms to get you the funds you need fast. We work with you to find a solution to your real estate needs.
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Maximum Leverage
Purchase Short-Term (no Value-Add)
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Commercial Value-Add
Residential Construction
Multifamily Construction
Commercial Construction
Property Types
- 2-4 Units Residential
- Adult Day Care
- Agricultural
- Assisted Living Facility
- Auto Dealership
- Auto Repair
- Bed and Breakfast
- Cannabis Dispensary
- Cannabis Grow Facility
- Car Wash
- Casino
- Child Day Care
- Church
- Cinema
- Club
- Commercial Condominium
- Commercial Land
- Community Center
- Condominium
- Event Center
- Gas Station
- Golf Course
- Gym
- Healthcare
- Hospital
- Hostel
- Hotel
- Industrial
- Marina
- Mixed-Use
- Mobile Home Park
- Motel
- Multifamily
- Night Club
- Office
- Parking Garage
- 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
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
- Residential Ground-Up Construction
- Commercial Bridge
- Commercial Property Value Add
- Commercial Ground-Up Construction
Specialty Loan Types
- 2nd Mortgage Equity Cash Out
- 3rd Mortgage Equity Cash Out
- Cannabis Use Properties
- Commercial Permanent Financing
- Discounted Note Payoff
- Line of Credit Single Property
- Note Purchase
- PACE - Property Assessed Clean Energy
- Partner Buyout
- Primary Residence Bridge
- Primary Residence Business Purpose Cash Out
- Residential Equity Share
- Reverse 1031 Exchange
Junior Lien Loan Amounts
$50,000 to $3,000,000
Junior Lien Interest Rates
9% to 15%
Junior Lien Loan-to-Value
70%
Junior Lien Loan-to-Cost
70%
Junior Lien Origination Fees
1% to 6%
We Fund Junior Position Loans
Rarely
Junior Lien Types
- Purchase
- Refinance
- Equity Cash Out
- Mezzanine
- Preferred Equity
Agribusiness Types
- Cannabis
Will Consider Cannabis Use Properties
yesMaximum LTV for Cannabis Use Properties
70%Cannabis Property Use Type
- Cultivation
- Retail Dispensary
- Retail Sales
- Manufacturing
- Processing
- Production
Land Types Considered
- Residential Land
- Multifamily Land
- Industrial Land
- Office Land
- Retail Land
- Hospitality Land
- Cannabis Use Land
Will Consider Land That is NOT Entitled
yesMax LTV for Land
50%Max LTC for Land Acquisition
50%Junior Lien Types
- Purchase
- Refinance
- Equity Cash Out
- Mezzanine
- Preferred Equity
Max Loan-to-Purchase Price
75%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 Subject Property
- Equity in Another Investment Property
- Equity in Primary Residence
- Seller Financing
- Crowdfunding
- Family
Experience Required
noMinimum Number of Value-Add Projects Completed by Borrower
0Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
75%Interest Charged for Renovation Costs
Entire Amount of Total Project CostsTypical Number of Days for Funds Draw
10Development Experience Required
noMinimum Number of Ground-Up Construction Projects Completed by Borrower
0Max LTC for Ground-Up Construction Costs
75%Interest Charged for Construction Costs
Entire Amount of Total Project CostsWill Lend on Partially Completed Construction Projects
yesFees which are mandatory for all new borrower clients
- Underwriting Fee
- Processing Fee
- Documents Fee
Fees which are paid to a third party company
- Appraisal Fee
- Environmental Report Fee
Red Tower Capital, Inc. Testimonials
Lucy A.
"Red Tower Capital solved my financing problem. They are great! Thank you!"
Borrower
Russ M.
"Red Tower has done the easy loans for our clients. But when needed, they have also provided custom solutions to our borrower's needs. Thanks again!"
Mortgage Broker
Justin R.
"Red Tower Capital provided multiple loans to me over the years. They are easy to work with and very responsive. Thank you!"
Borrower
Chris M.
"We have placed a handful of loans successfully with the Red Tower team over the years. Thank you for funding our deals!"
Mortgage Broker
Contact Red Tower Capital, Inc.
Stay Informed About Private Lending
Associations
- California Mortgage Association - Member
Office Locations
73 Sumner Street #203, San Francisco, California 94103Our Team
Solomon Gorlick
Founder & President
CA DRE - 01420631
NMLS - 251257
Contact Red Tower Capital, Inc.
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Our Minimum Loan Amount Is
$50,000
What We Do
- Lending Throughout Northern California
- Rehab & Construction Loans
- CRE & Resi Bridge Loans
- Cannabis-Use Properties
Not Available
- NO 100% Financing
- NO Rural Areas
- NO Consumer Mortgages (except primary residence bridge)