Secured Capital Lending

Direct Lender for California Investment Properties

We are a direct private lending company specializing in financing both commercial and residential properties. We offer various attractive loan products such as fix and flip, rehab, bridge, construction, refi – cash out , 2nd trust deeds . The asset types we have an interest in financing are the following: SFR, multi-family, industrial, retail, office, mixed-use, car wash, gas stations, and hospitality.

Our team has combined over 30 years of experience and has funded over $300M in private capital since 2016. We are very quick to make decisions and our average funding is 5-10 days. We have a background in development , mortgage lending and property acquisitions.

Please note: We do not offer loans for vacant land or owner-occupied homes.

Property Geographic Area Details

California

Loan Amounts

$100,000 to $20,000,000

Interest Rates

8.99% to 11.99%

Loan Terms

12 months to 360 months

Origination Fees

1% to 2%

Lien Position

1st, 2nd

What we do:

Residential & Commercial Properties

Bridge, Rehab, Construction, Rental Loans

LTP up to 90% for Rehab Purchase

What we don’t consider:

100% Financing

Owner-Occupied Homes

Consumer-Purpose Loans

Credit Check Required

Prepayment Penalty

Typical Closing Time (Days)

Maximum Leverage

Purchase Short-Term (no Value-Add)

Max LTP Residential: 90%

Max LTP Multifamily: 90%

Max LTP Commercial: 90%

Max LTP Land: 50%

Refinance Short-Term (no Cash Out)

Max LTV 1st Lien Residential: 65%

Max CLTV 2nd Lien Residential: 65%

Max LTV 1st Lien Multifamily: 70%

Max CLTV 2nd Lien Multifamily: 70%

Max LTV 1st Lien Commercial: 70%

Max CLTV 2nd Lien Commercial: 70%

Max LTV 1st Lien Land: 70%

Max CLTV 2nd Lien Land: 70%

Refinance & Cash Out Short-Term

Max LTV 1st Lien Residential: 70%

Max CLTV 2nd Lien Residential: 70%

Max LTV 1st Lien Multifamily: 70%

Max CLTV 2nd Lien Multifamily: 70%

Max LTV 1st Lien Commercial: 70%

Max CLTV 2nd Lien Commercial: 70%

Max LTV 1st Lien Land: 70%

Max CLTV 2nd Lien Land: 70%

Residential Fix & Flip

Max LTP: 90%

Residential Rehab & Hold

Max LTP: 90%

Max LTC: 70%

Multifamily Value-Add

Max LTP: 80%

Max LTC: 90%

Commercial Value-Add

Max LTP: 90%

Max LTC: 90%

Residential Construction

Max LTP Land: 75%

Max LTC: 85%

Multifamily Construction

Max LTP Land: 75%

Max LTC: 85%

Commercial Construction

Max LTP Land: 75%

Max LTC: 85%

Max LTCV: %

Property Types

2-4 Units Residential
Condominium
Industrial
Mixed-Use
Retail
Single Family Residence

Loan Types

Private Money
Hard Money
Residential Bridge
Residential Fix and Flip
Residential Rehab and Rent
Residential Ground-Up Construction

Specialty Loan Types

2nd Mortgage Equity Cash Out
Bankruptcy Resolution
Cannabis Use Properties
Condo Conversion
Foreclosure Bailout
Residential Long-Term Rental
Reverse 1031 Exchange

Junior Lien Loan Amounts

$100,000 to $2,000,000

Junior Lien Interest Rates

9% to 12%

Junior Lien Loan-to-Value

70%

Junior Lien Loan-to-Cost

70%

Junior Lien Types

Refinance

We only provide Jr lien during refinances and on properties that are rented and producing income .

Max Loan-to-Purchase Price

90%

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
Seller Financing
Gap Lender
Family

Experience Required

Minimum Number of Value-Add Projects Completed by Borrower

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

100%

Interest Charged for Renovation Costs

Only on Funds Drawn

Typical Number of Days for Funds Draw

Maximum After Repair Value

75%

Project must be shovel-ready. We can provide a loan for the land acquisition at 50% LTV for unentitled land

Development Experience Required

Minimum Number of Ground-Up Construction Projects Completed by Borrower

Max LTC for Ground-Up Construction Costs

100%

Interest Charged for Construction Costs

Only on Funds Drawn

Will Lend on Partially Completed Construction Projects

yes

Minimum Loan Amount

$100,000

Details and Requirements

Fastest Closing Time (Days)

Payment Structure

Interest Only
Amortized
Interest Reserve

Will lend to a foreign national

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

Will Consider Collateralizing Multiple Properties in One Loan

Will Consider Equity Joint Venture

Borrower Entity Types Considered

Individual(s)
LLC
Limited Partnership
Trust
Corporation

Personal Guaranty (Recourse) Required

Sometimes

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

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

Property Occupancy

Vacant
Tenant Occupied 100%
Owner Occupied Commercial

Contact Secured Capital Lending

Secured Capital Lending pays us to be listed, so there is no fee to connect with them directly.

213-270-XXXX

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At Secured Capital Lending, real estate investors and brokers that struggle with finding the best private lenders to fund their projects and deals are often left missing out on opportunities, falling out of escrow, etc. I’ve seen it happen all too often, which is why I work with in-house funds to help investors and brokers by providing them with direct private capital, giving them the most competitive loan products and leverage to scale their business.

My private funding helps you:  

▶ Leveraging your cash so you can do more volume of RE investments.
▶ Get a lender partner who can perform in very time sensitive transactions.
▶ Access direct private capital which is not dependent on institutional money.

When it comes to investment financing, having the peace of mind that you’re dealing with a trusted private lender is priceless. This gives you the confidence to go into the market place and not be put in a position where you have a lack of capital resources, more time and energy to focus on your work. 

You want to have the confidence that you can capitalize on any investment, and I understand how discouraging and frustrating it is to struggle with not being able to do that, due to lack of direct private capital. That’s why I’m proud to say, I’ve helped over a thousand clients have success in their real estate transactions. 

You deserve to have a direct lender to whom you can trust to perform all your private financing needs.