Loading Additional Profile Sections...
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 7.49% (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
California major metro areas
Loan Amounts
$250,000 to $5,000,000
Interest Rates
6.99% to 9.99%
Max Loan-To-Value
65.00%
Max Loan-To-Cost
70.00%
Origination Fees
1% to 2%
Loan Terms
3 months to 24 months
Lien Position
- 1st
- 2nd
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%
- Owner Occupied Commercial
- Owner Occupied Residential
Property Types and Loan Types
Collateral Types
- Residential Property
- Commercial Property
Property Types
- 2-4 Units Residential
- Cannabis Dispensary
- Cannabis Grow Facility
- 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
- Residential Long-Term Rental
- Note Purchase
- Reverse 1031 Exchange
- Partner Buyout
- Discounted Note Payoff
- Bankruptcy Resolution
- Cannabis Use Properties
- Primary Residence Bridge
- Primary Residence Business Purpose Cash Out
- Transactional Funding
Junior Liens
Junior Lien Loan Amounts
$100,000 to $2,000,000
Junior Lien Interest Rates
9.00% to 10.99%
Junior Lien Loan-to-Value
65.00%
Junior Lien Loan-to-Cost
65.00%
Junior Lien Origination Fees
1.00% to 2.00%
We Fund Junior Position Loans
Often
Junior Lien Types
- Purchase
- Refinance
- Equity Cash Out
- Mezzanine
Cannabis Use Properties
Landlord financing only (i.e., not owner-operated). Property valuation based on non-cannabis market rents. Properties located in major metro markets, near centers of demand.Will Consider Cannabis Use Properties
yesMaximum LTV for Cannabis Use Properties
60.00%Cannabis Property Use Type
- Cultivation
- Retail Dispensary
- Retail Sales
- Manufacturing
- Processing
- Production
Land Loan
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
50.00%Max LTC for Land Acquisition
50.00%Purchase Loan
Max Loan-To-Purchase Price
70.00%Borrower Must Have Property Under Contract
yesWill Provide Proof of Funds Letter
noWill 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
Rehab Value Add Loan
Experience Required
yesMinimum Number of Value-Add Projects Completed by Borrower
1Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
70.00%Interest Charged for Renovation Costs
Entire Amount of Total Project CostsTypical Number of Days for Funds Draw
5Maximum After Repair Value
65.00%Construction Loan
Development Experience Required
yesMinimum Number of Ground-Up Construction Projects Completed by Borrower
1Max LTC for Ground-Up Construction Costs
65.00%Interest Charged for Construction Costs
Entire Amount of Total Project CostsWill Lend on Partially Completed Construction Projects
yesDetails and Requirements
Typical Closing Time (Days)
10Fastest Closing Time (Days)
3Works With
- Brokers
- Borrowers
Payment Structure
- Interest Only
- Amortized
- Interest Reserve
Pre Payment Penalty
yes
Typically we have a minimum interest provision of 0-6 months.Will lend to a foreign national
yes
Must have U.S. bank accountWill Allow Junior Position Mortgage(s) Behind Our Senior Mortgage
yesWill Consider Collateralizing Multiple Properties in One Loan
yesWill Consider Equity Joint Venture
no
Borrower Entity Types Considered
- Individual(s)
- LLC
- Limited Partnership
- Trust
- Corporation
- Self-Directed IRA
Documentation Required
- Credit Report
- Loan Application
Personal Guaranty (Recourse) Required
SometimesCredit Check Required
yesMinimum Credit Score Required
500Appraisal Required for Residential Property
SometimesAppraisal Required for Commercial Property
SometimesBroker Price Opinion (BPO) Accepted for Residential Property
SometimesBroker Price Opinion (BPO) Accepted for Commercial Property
SometimesFees
Documents Fee
Typically $1,495, depending on complexity of loan scenario.
Escrow Fee
Customary 3rd-party escrow fees.
Title Fee
Customary 3rd-party title fees.
Extension Fee
Typically zero to 1 point
Fees which are mandatory for all new borrower clients
- Escrow Fee
- Title Fee
Fees which are paid to a third party company
- Documents Fee
- Escrow Fee
- Title Fee
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 has over 35 years of bridge lending and real estate development experience. Because we are more of a family office, we lend at lower rates than your typical private lender, with rates as low as 6.99%, 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 have closed deals in 3 days when necessary. Also, because of our core 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 - Member
Office Locations
Main Office4001 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
Alternative Loan Structures
- Multiple Lender Participation
Percentage of company’s lending business focused on private mortgage
100%
Company’s Other Business Activities Besides Private Mortgage Lending
- Note Investing
- Real Estate Development
Percentage of Loans Secured by Commercial Property
50%
Percentage of Loans Secured by Residential Property
50%
Percentage of Residential Property Loans Which are Fix and Flip
40%
Percentage of Residential Property Loans Which are Buy and Hold
60%
Percentage of Residential Property Loans Which are Owner-Occupied
15%
Percentage of Loans Secured by Land
15%
Total Loan Volume Funded to Date
$750,000,000
2017 Loan Volume Funded
$110,000,000

Kevin Arrabaca
Principal
Kevin joined SDC Capital in 2016. He is responsible for the strategy and organization of SDC Capital’s lending platform and serves on the firm’s investment committee. Kevin has a Bachelor of Science in Business Administration from the University of Southern California. Kevin has extensive experience in the finance industry. He is a co-founder of AssetAvenue, Inc., served as the Chief Investment Officer at Our Castle Funds, worked as an investment banker at Lehman Brothers and Houlihan Lokey and held various real estate management positions at American Capital and Colony Capital. To the regret of some SDC staff, Kevin remains an active Trojan alumnus.

Shawna Phelan
Principal
Shawna joined SDC Capital in 2006 and oversees all aspects of SDC Capital’s lending platform, heads the firm’s investment committee, is responsible for the financial oversight of all company operations and is involved in the placement of debt and equity for each real estate project. Shawna has a Master’s Degree in Business Administration (MBA) from the UCLA Anderson School of Management and a Bachelor’s Degree in Accounting from the University of San Diego. Shawna is also a Certified Public Accountant and is licensed by the State of California as a Real Estate Salesperson and a Mortgage Loan Originator. Prior to joining SDC, she was a Vice President in Lehman Brothers Investment Banking Division, the Controller at Relational Investors and an auditor at Arthur Andersen. At home, Shawna enjoys spending time with her three daughters and husband and when time allows, getting away for the weekend with her family to Santa Ynez.
Completed Transactions
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

Mortgage Broker
Even though our last deal turned into somewhat of a nightmare, you still got it done! Your communication and service are truly exceptional! I look forward to doing a lot of business with you for many years to come!
Our Minimum Loan Amount Is
$250,000
What We Do
- Appraisal Not Required in most cases
- Lending in California Major Metros
- Very Competitive Pricing
- Up to 70% LTP, 65% LTV
- 20-30% Cash Required for Purchase
- Junior Liens up to 65% CLTV
Not Available
- NO 100% Financing
- NO Rural Areas
- NO Consumer Purpose Loans
- NO Hotels, Gas Stations, Restaurants
- NO Single Tenant Retail Properties
- NO Construction Projects < 75% complete
Loan Request
Our Minimum Loan Amount Is
$250,000
What We Do
- Appraisal Not Required in most cases
- Lending in California Major Metros
- Very Competitive Pricing
- Up to 70% LTP, 65% LTV
- 20-30% Cash Required for Purchase
- Junior Liens up to 65% CLTV
Not Available
- NO 100% Financing
- NO Rural Areas
- NO Consumer Purpose Loans
- NO Hotels, Gas Stations, Restaurants
- NO Single Tenant Retail Properties
- NO Construction Projects < 75% complete