SDC Capital

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

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

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

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)

Fastest Closing Time (Days)

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

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

"SDC's process was simple, fast and professional. Just the best experience I’ve had working with a private money lender or any type of lender actually."

Colin D.

Mortgage Broker

"Our loan was maturing and we needed certainty of closing. SDC exceeded expectations and closed with over two weeks to spare."

Nate H.

"SDC Capital's runs a smooth process with less friction compared to other lenders. They are my first call for bridge loan scenarios."

Richard L.

"Your communication and service are truly exceptional! I look forward to doing a lot of business with you for many years to come!"

Mortgage Broker

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.

Contact COMPANY

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates

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

Los Angeles, CA

$1,430,000

Multifamily

Commercial Property Value Add