We make mostly fix & flip loans, some 2nd TD on apartment buildings. Many of our fix & flip borrowers have been with us over 15 years. We all make money. Our company is about creating wealth for our Clients (Investors and Borrowers) by funding loans in the form of Trust Deeds secured by California Real Estate. We do this with exceptional customer service, care, and integrity.

We create synergy with Lenders, Borrowers, Escrow and Title by requiring our Company and supporting team members to be responsible for their actions and success in completing transactions and reaching financial and investment goals


Property Geographic Area Details

Primarily Los Angeles County and North Orange County. We don't only look for the best neighborhoods. We don't mind areas like Watts, Inglewood, South Central LA, etc.

Loan Amounts

$100,000 to $1,000,000

Interest Rates

8.75% to 10%

Max Loan-To-Value


Max Loan-To-Cost


Origination Fees

2% to 3%

Loan Terms

3 months to 60 months

Lien Position

  • 1st
  • 2nd

Loan Purpose

  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Value Add Project

Property Occupancy

  • Vacant
  • Tenant Occupied 100%

Property Types and Loan Types

Collateral Types

  • Residential Property
  • Commercial Property

Property Types

  • 2-4 Units Residential
  • Commercial Condominium
  • Industrial
  • Multifamily
  • Single Family Residence

Loan Types

  • Private Money
  • Hard Money
  • Residential Fix and Flip
  • Residential Rehab and Rent

Specialty Loan Types

  • 2nd Mortgage Equity Cash Out
  • Residential Long-Term Rental
  • Note Purchase
  • Partner Buyout
  • Discounted Note Payoff
  • Foreclosure Bailout

Junior Liens

Junior Lien Loan Amounts

$100,000 to $500,000

Junior Lien Interest Rates

9% to 10.5%

Junior Lien Loan-to-Value


Junior Lien Loan-to-Cost


Junior Lien Origination Fees

3% to 3%

We Fund Junior Position Loans


Junior Lien Types

  • Purchase
  • Refinance
  • Equity Cash Out
We like apartment building with cash flow and some other commercial property types

Purchase Loan

Max Loan-To-Purchase Price


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Equity in Another Investment Property

Rehab Value Add Loan

Experience Required


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Interest Charged for Renovation Costs

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw


Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Works With

  • Brokers
  • Borrowers

Payment Structure

  • Amortized

Payment Structure Details

Fix & Flips are amortized 20 years, due in 18 months

Pre Payment Penalty


90 days minimum then no prepay

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
  • Self-Directed IRA

Documentation Required

  • Credit Report
  • Financial Statements
  • Loan Application

Personal Guaranty (Recourse) Required


Credit Check Required


Credit Check Description

We need to look at it

Appraisal Required for Residential Property


Appraisal Required for Commercial Property


Broker Price Opinion (BPO) Accepted for Residential Property


Broker Price Opinion (BPO) Accepted for Commercial Property



Underwriting Fee

$0 to $0

Processing Fee


Escrow Fee

We use outside escrow, and they hold the rehab funds

Title Fee

As per customer

Appraisal Fee

Usually $400

Renovation Construction Draw Fee

$100 per inspection, max of $300

Minimum Origination Fee Amount


Fees which are mandatory for all new borrower clients

  • Underwriting Fee
  • Documents Fee
  • Appraisal Fee
  • Escrow Fee
  • Title Fee
  • Renovation or Construction Funds Draw Fee

Fees which are paid to a third party company

  • Deposit
  • Appraisal Fee
  • Escrow Fee
  • Title Fee
  • Renovation or Construction Funds Draw Fee

A family owned Real Estate Brokerage Company that has been brokering sales and private money equity loans for single family, residential income, and commercial properties in Los Angeles and Orange County since 1977.

Woody Financial Realty Corporation is a member of the Pacific West Association of Realtors, the Southern Regional Multiple Listing Service and the California Mortgage Association. The Company markets aggressively in large Broker network marketing sessions and in Real Estate publications.


CA DRE Lic. 01157109

Year Established



  • CMA - California Mortgage Association - Regular Member

Office Locations

5580 East 2nd Street, Suite 211, Long Beach, California 90803

Primary Capital Source

  • Own Funds
  • Individual Investors

Alternative Capital Sources

  • Individual Investors
  • Bank Credit Line

Loan Structure for Majority of Loans

  • One Investor One Loan

Percentage of company’s lending business focused on private mortgage


Company’s Other Business Activities Besides Private Mortgage Lending

  • Note Investing

Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Residential Property


Percentage of Residential Property Loans Which are Fix and Flip


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


2017 Number of Loans Funded


2017 Loan Volume Funded


Dave Woody


David Woody is the Owner, President and Broker of Woody Financial Realty Corporation, and also was a past director of the California Mortgage Association.

License Information
CA DRE Broker - 00604535

Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.


At the end of the form you can enter the additional properties.

(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


how will the loan be paid off?


Add links to photos here.


Add links to photos here.


Add links to documents, photos, etc.