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 8.49% (9.99% 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
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
Residential Fix & Flip
Residential Rehab & Hold
Multifamily Value-Add
Commercial Value-Add
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
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
- Commercial Bridge
- Commercial Property Value Add
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
9.99% to 11.99%
Junior Lien Loan-to-Value
65%
Junior Lien Loan-to-Cost
65%
Junior Lien Origination Fees
3% to 4%
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
yesExisting 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
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
- Family
Experience Required
yesMinimum Number of Value-Add Projects Completed by Borrower
0Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
70%Interest Charged for Renovation Costs
Entire Amount of Total Project CostsTypical Number of Days for Funds Draw
5Maximum After Repair Value
65%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
Funded Deals
SDC Capital
Los Angeles, CA
$1,430,000
Commercial Property Value Add
SDC Capital
Los Angeles, CA
$1,589,000
Commercial Property Value Add
SDC Capital
San Diego, CA
$1,200,000
Purchase
SDC Capital
Los Angeles, CA
$600,000
2nd Mortgage
SDC Capital
La Jolla, CA
$384,000
Equity Cash Out
SDC Capital
Lynwood, CA
$365,750
Purchase
SDC Capital
Norwalk, CA
$770,000
Purchase
SDC Capital
La Mirada, CA
$910,000
Purchase
SDC Capital
Van Nuys, CA
$754,000
Refinance
SDC Capital
Venice, CA
$2,400,000
Purchase
SDC Capital
Santa Barbara, CA
$800,000
Purchase
SDC Capital
Bell Gardens, CA
$596,750
Purchase
SDC Capital
Mission Viejo, CA
$1,320,000
Refinance
SDC Capital
Malibu, CA
$1,000,000
Residential Ground-Up Construction
SDC Capital
Sacramento, CA
$4,000,000
Purchase
SDC Capital
Los Angeles, CA
$900,000
Equity Cash Out
SDC Capital
Huntington Park, CA
$806,250
Purchase
SDC Capital
Lafayette, CA
$720,000
Refinance
SDC Capital
San Francisco, CA
$1,375,000
Refinance
SDC Capital
Century City, CA
$300,000
Refinance
SDC Capital
Aptos, CA
$2,500,000
Residential Ground-Up Construction
SDC Capital
Venice, CA
$4,500,000
Purchase
SDC Capital
San Francisco, CA
$1,420,000
Residential Rehab
SDC Capital
South Gate, CA
$250,000
Purchase
SDC Capital
Los Altos, CA
$500,000
Refinance
SDC Capital
Long Beach, CA
$910,000
Purchase
SDC Capital
Riverside, CA
$495,000
Purchase
SDC Capital
Brea, CA
$570,000
Purchase
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
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Stay Informed About Private Lending

Because we are more of a family office, we lend at lower rates than your typical private lender, with rates often as low as 7.49%. 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.
Associations
- California Mortgage Association
Office Locations
4001 Burbank Boulevard , Burbank, California 91505Orange County Office
200 Spectrum Center Dr, Irvine, California 92618
Our Team
Kevin Arrabaca
Principal
CA DRE Lic. - 02034407
Shawna Phelan
Principal
CA DRE Lic. - 01880132
NMLS ID - 326201
Get In Touch
Stay Informed About Private Lending

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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
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