Private Mortgage Lending for California Property Investors
S&L Capital Group is not backed by institutional capital which gives us the ability to truly take a common sense approach when underwriting/funding deals. We are less credit driven and more asset based in our Underwriting approach. The Company has a strong appetite for the follow asset types and loan structures:
SFR, 2-4 Units: Acquisition Bridge, Refinance Bridge, Cash out refinance, Fix and Flip
Multifamily: Acquisition Bridge, Refinance Bridge, Cash out Refinance, Value Add
Industrial Warehouse: Acquisition Bridge, Refinance Bridge, Cash out Refinance
Though appraisals are preferred, we have the ability to close our loans with no appraisal which allows us to truly replicate those all cash offers and avoid the bottlenecks currently present in dealing with AMC’s and Appraisers. We do allow for junior financing which allows our borrower’s to reduce their cash to close on their value add investments.
We originate, process, underwrite and close all of our loans in house which allows us to eliminate many common delays in the funding process.
Please note: we do not offer loans for owner-occupied homes.
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Property Types
- 2-4 Units Residential
- Commercial Condominium
- Condominium
- Event Center
- Gym
- Healthcare
- Industrial
- Mixed-Use
- Multifamily
- Office
- Portfolio of Commercial Properties
- Portfolio of Residential Properties
- Retail
- Single Family Residence
- Storage Facility
- Student Housing
Loan Types
- Private Money
- Hard Money
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
Specialty Loan Types
- Residential Long-Term Rental
Max Loan-to-Purchase Price
100%Borrower Must Have Property Under Contract
noWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
noAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Subject Property
- Equity in Another Investment Property
- Equity in Primary Residence
- Seller Financing
- Gap Lender
- Crowdfunding
- Family
Experience Required
noMinimum Number of Value-Add Projects Completed by Borrower
0Will Provide Funds for Renovation Costs
noMax LTC for Renovation Costs
0%Underwriting Fee
This fee is paid through the close of Escrow subsequent to funding.
Processing Fee
This fee is paid through the close of Escrow subsequent to funding.
Documents Fee
This fee is paid through the close of Escrow subsequent to funding.
Inspection Fee
In some instances, a BPO can be received in lieu of an appraisal. If we are to waive the appraisal, we will need to have an inspector walk the property in order to document its current condition. This fee will either be paid directly to the inspector at the time of the inspection, or through the close of Escrow.
Renovation Construction Draw Fee
$There is no set up fee and inspections for each draw range from $125-$275. These fees are paid to 3rd parties performing the services.
Fees which are mandatory for all new borrower clients
- Underwriting Fee
- Processing Fee
- Documents Fee
Fees which are paid to a third party company
- Appraisal Fee
- Inspection Fee
- Renovation or Construction Funds Draw Fee
S&L Capital Group Testimonials
C.R.
"Amazing, fast and efficient! Very transparent and was able to fully understand my situation to process everything in timely manner."
Real Estate Agent
J.A.
"Corey and his team are amazing!! I had a deal ready to completely fall through and they saved the day! They were quick, thorough, and incredibly efficient."
Marie
"We had great experience working with Corey and Brad. They made everything easy for our loan to process and move forward. Would definitely work with them again!"
T.Y.
"Real Professionals!!! Very knowledgeable, intuitive and on the pulse of the market from the minute we say go!!"
Contact S&L Capital Group
Stay Informed About Private Lending
S&L Capital Group is an Orange County based private lending firm. Over the years, the founders noticed a common trend in the industry when it came to getting deals to the funding table, “there are just too many hands involved in the process.” Corey Siegel and Brad Laddusaw founded the company with the mindset of leaning up, creating efficiencies with strategic resources, and cutting all the fat out of the submission, underwriting, and funding processes. Our borrowers have a certain peace of mind knowing they are talking to the final decision makers throughout the process. If you’re looking for a straightforward lender, who prides itself on transparency, efficiency and diligence, give S&L Capital Group a call.
Associations
- California Mortgage Association - Active Member - Education Committee / Board of Directors
- Rotary Club of Brea - Active Member
- Rotary Club of Irvine - Active Member
- Brea Education Foundation - Board Member
Office Locations
Orange County2279 Sommerset Drive, Brea, CA 92821
San Diego County
608 Myrtlewood Ct, Oceanside, CA 92058
Our Team
Corey Siegel
President/ CEO
CA DRE Broker Lic. - 01922388
Bradley Laddusaw
CFO
CA DRE Broker Lic. - 01946421
Certified Public Accountant - 119254
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Stay Informed About Private Lending
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