Family Office Lender for Real Estate in California

SDC Capital offers the fastest, easiest and most transparent lending process available in the market today.  Because we are a family office, we lend at lower rates than your typical private lender — with rates as low as 6.99% (9% for 2nd liens)– while also providing borrowers with certainty of closing.  We lend with our own money and are the decision makers on every deal.  As such, we do not rely on individual private investors to fund each loan.  This eliminates delays, retrades or vague and ambiguous answers.  Work with SDC Capital if you want clear answers and a straightforward loan process.

  • LOIs within 24 hours
  • No appraisal for most LA/OC County scenarios (we walk the property ourselves)
  • No tax returns or pay stubs required
  • No minimum DSCR for rnetal properties
  • No prepayment penalty (available)
  • No advanced lender fees

Please Note: We are not currently offering loans for Hotels, Gas Stations, Restaurants, Single Tenant Retail, Assisted Living Facilities, and Construction project less than 75% completed.

Property Geographic Area Details
Major metro areas of California and Arizona
Loan Amounts
$250,000 to $5,000,000
Interest Rates
6.99% to 7.99%
Loan Terms
3 months to 24 months
Origination Fees
1% to 2%
Lien Position
1st, 2nd
Collateral Types
  • Residential Property
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Invest in a Business
  • Business Working Capital
  • Value Add Project
  • Development Project
  • Primary Residence Purchase
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Tenant Occupied Partial
  • Owner Occupied Commercial
  • Owner Occupied Residential

Maximum Leverage

Purchase Short-Term (no Value-Add):
Max LTP Residential: 70%
Max LTP Multifamily: 70%
Max LTP Commercial: 65%
Max LTP Land: 50%
Max CLTP Mezzanine: 65%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 70%
Max CLTV 2nd Lien Residential: 65%
Max LTV 1st Lien Multifamily: 70%
Max CLTV 2nd Lien Multifamily: 65%
Max LTV 1st Lien Commercial: 70%
Max CLTV 2nd Lien Commercial: 65%
Max LTV 1st Lien Land: 50%
Max CLTV 2nd Lien Land: 50%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 70%
Max CLTV 2nd Lien Residential: 65%
Max LTV 1st Lien Multifamily: 70%
Max CLTV 2nd Lien Multifamily: 65%
Max LTV 1st Lien Commercial: 70%
Max CLTV 2nd Lien Commercial: 65%
Max LTV 1st Lien Land: 50%
Max CLTV 2nd Lien Land: 50%
Residential Fix & Flip
Max LTP: 70%
Max LTC: 75%
Max LTARV: 65%
Residential Rehab & Hold
Max LTP: 70%
Max LTC: 75%
Max LTARV: 65%
Multifamily Value-Add
Max LTP: 75%
Max LTC: 75%
Max LTARV: 65%
Commercial Value-Add
Max LTP: 70%
Max LTC: 70%
Max LTARV: 65%

Property Types

  • 2-4 Units Residential
  • Cannabis Dispensary
  • Cannabis Grow Facility
  • Child Day Care
  • Commercial Condominium
  • Commercial Land
  • Condominium
  • Industrial
  • Mixed-Use
  • Multifamily
  • Office
  • Parking Lot
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • Rehabilitation Facility
  • Residential Land
  • Retail
  • Single Family Residence
  • Student Housing
  • Vehicle Parking

Loan Types

  • Private Money
  • Hard Money
  • Commercial Bridge
  • Residential Bridge
  • Commercial Property Value Add
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Commercial Ground-Up Construction
  • Residential Ground-Up Construction
  • Mezzanine

Specialty Loan Types

  • 2nd Mortgage Equity Cash Out
  • Bankruptcy Resolution
  • Cannabis Use Properties
  • Condo Conversion
  • Discounted Note Payoff
  • Line of Credit Portfolio of Properties
  • Line of Credit Single Property
  • Note Purchase
  • Partner Buyout
  • Primary Residence Bridge
  • Primary Residence Business Purpose Cash Out
  • Residential Long-Term Rental
  • Residential Short-Term Rental
  • Reverse 1031 Exchange
  • TIC Tenancy-in-Common
  • Transactional Funding

Junior Lien Loan Amounts

$100,000 to $2,000,000

Junior Lien Interest Rates

9.00% to 10.99%

Junior Lien Loan-to-Value

65%

Junior Lien Loan-to-Cost

65%

Junior Lien Origination Fees

1% to 2%

We Fund Junior Position Loans

Often

Junior Lien Types

  • Purchase
  • Refinance
  • Equity Cash Out
  • Mezzanine

Description

Will not consider unentitled raw land or hillside land with no flat area.

Land Types Considered

  • Residential Land
  • Multifamily Land
  • Industrial Land
  • Office Land
  • Retail Land

Will Consider Land That is NOT Entitled

yes

Existing Land Improvements Required

  • Street Access

Max LTV for Land

50%

Max LTC for Land Acquisition

50%

Junior Lien Types

  • Purchase
  • Refinance
  • Equity Cash Out
  • Mezzanine

Max Loan-to-Purchase Price

70%

Borrower Must Have Property Under Contract

yes

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

yes

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

Experience Required

yes

Minimum Number of Value-Add Projects Completed by Borrower

0

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

70%

Interest Charged for Renovation Costs

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw

5

Maximum After Repair Value

65.00%
The only construction loans we are funding right now are mid-construction close to completion (more than 75% complete). The max LTV is 65%.

Development Experience Required

yes

Minimum Number of Ground-Up Construction Projects Completed by Borrower

1

Max LTC for Ground-Up Construction Costs

65%

Interest Charged for Construction Costs

Entire Amount of Total Project Costs

Will Lend on Partially Completed Construction Projects

yes

Documents Fee

Typically $1,495, depending on complexity of loan scenario.

Escrow Fee

Customary escrow fees paid directly to 3rd-party

Title Fee

Customary title fees paid directly to 3rd-party

Extension Fee

Typically zero to 1 point

Fees which are mandatory for all new borrower clients

  • Documents Fee
  • Escrow Fee
  • Title Fee

Fees which are paid to a third party company

  • Documents Fee
  • Escrow Fee
  • Title Fee

Details and Requirements

Typical Closing Time (Days)

10

Fastest Closing Time (Days)

3

Payment Structure
  • Interest Only
  • Interest Reserve
Pre Payment Penalty

yes

Typically we have a minimum interest provision of 0-5 months.
Will lend to a foreign national

yes

Must have U.S. bank account
Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

yes

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
  • Non-Profit Corporation
  • Self-Directed IRA
Documentation Required
  • Credit Report
  • Loan Application
Personal Guaranty (Recourse) Required
Sometimes
Non-recourse exceptions made on case-by-case basis
Credit Check Required

yes

Minimum Credit Score Required

500

Appraisal Required for Residential Property

Sometimes

Appraisal Required for Commercial Property

Sometimes

Broker Price Opinion (BPO) Accepted for Residential Property

Sometimes

Broker Price Opinion (BPO) Accepted for Commercial Property

Sometimes

Legal Disclaimer

SDC Capital is willing to offer these terms, which are in no way binding and is subject to satisfactory due diligence in the sole and absolute discretion of SDC Capital.

SDC Capital Testimonials

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Because we are more of a family office, we lend at lower rates than your typical private lender, with rates often as low as 6.99%.  No 3rd-parfty appraisal required (typically), as we lend with our own money and are the decision makers on every deal.  As such, we have closed deals in 3 days when necessary.  Also, because of the family’s real estate development background, we understand even the most complex loan scenarios, allowing us to price these deals more competitively.  Over 40% of our business is from repeat brokers and borrowers, because of our lower pricing and our certainty of closing.  For borrowers and brokers seeking immediate funding, SDC Capital offers the fastest, easiest and most transparent process available in the market today.

License

CA DRE Lic. 00828051, NMLS ID 248271

Year Established

1981

Associations

  • California Mortgage Association

Office Locations

4001 Burbank Boulevard , Burbank, California 91505

Orange County Office
200 Spectrum Center Dr, Irvine, California 92618

Primary Capital Source
  • Own Funds
Alternative Capital Sources
  • Individual Investors
  • Bank Credit Line
Loan Structure for Majority of Loans
  • Own Balance Sheet
Percentage of Loans Secured by Commercial Property

50%

Percentage of Loans Secured by Residential Property

50%

Total Loan Volume Funded to Date

$750,000,000

Our Team

Kevin Arrabaca

Principal

CA DRE Lic. - 02034407

Shawna Phelan

Principal

CA DRE Lic. - 01880132
NMLS ID - 326201

Funded Deals

Get In Touch

SDC Capital 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
subscribe-illustration
Before You Contact Us

Our Minimum Loan Amount Is

$250,000

What We Do

  • Appraisal or BPO Not Required (typically)
  • Lending in California Major Metros
  • Very Competitive Pricing
  • Up to 75% LTP, 65% LTV
  • 25-30% Cash Required for Purchase
  • Junior Liens up to 65% CLTV
  • 100% Purchase Financing with Additional Collateral
  • Consumer Buy-before-you-sell Purchase Loans Available

Not Available

  • NO 100% Financing without Additional Collateral
  • NO Rural Areas
  • NO Consumer Purpose Loans, except for Buy-before-you-sell Purchase Loans
  • NO Hotels, Gas Stations, Restaurants
  • NO Single Tenant Retail Properties
  • NO Construction Projects under 85% complete

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