Central Coast Multifamily Rehab Lenders

Are you seeking financing for a multifamily rehab project in Central Coast, CA? On this page, you’ll find a list of private lending firms that offer short-term private loans to purchase & renovate (or re-purpose) multifamily properties in urban areas. This includes properties with 5 or more apartment units, as well as mixed-use properties where a majority of the units are apartments. The sponsor/borrower needs to contribute equity to the purchase, typically 15-20%. Some lenders will fund 100% of the rehab budget. The loan-to-completed value for most multifamily lenders is 70%, or whatever LTV will qualify for a long-term take-out loan.
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Sherpa Capital Group

Sherpa Capital Group is a privately owned, Chicago-based direct lender founded in 2010. It provides principal-led short-term bridge loans from $500,000 to $10 million for transitional commercial real estate nationwide and selectively makes preferred-equity investments.

Loan Amounts: $500,000 - $10,000,000
Center Street Lending

Center Street Lending is a direct private lender financing residential investment properties across most U.S. states. They offer bridge, fix-and-flip, and new constructio with programs for single-family and small multifamily projects.

Loan Amounts: $200,000 - $40,000,000
SDC Capital

SDC Capital is a Burbank-based family office lender using its own capital for residential and commercial bridge loans in major California markets, including first and second liens, cash-out, value-add and late-stage construction financing.

Loan Amounts: $250,000 - $5,000,000
Conventus

Conventus is a direct real estate investment lender founded in 2015, providing bridge and fix-and-flip, DSCR, multifamily and ground-up construction financing nationwide. It combines institutional capital with in-house underwriting and expedited execution.

Loan Amounts: $100,000 - $10,000,000
Residential Capital Partners

Residential Capital Partners is a Dallas-based direct balance sheet lender specializing in residential investment property financing nationwide. They primarily offer high-leverage fix-and-flip, DSCR rental, and ground-up construction loans, including up to 100% financing for qualifying rehab projects.

Loan Amounts: $75,000 - $1,250,000
Certain Lending

Certain Lending is a Seattle-based private lender using a digital platform to finance residential investors nationwide, excluding several states. They offer fix-and-flip, bridge, ground-up construction, DSCR rental and rental portfolio loans for properties with up to 10 units.

Loan Amounts: $100,000 - $4,000,000
Security Financial Services

Security Financial Services is a third-generation direct balance sheet lender specializing in bridge loans throughout California, with deep expertise in the San Francisco Bay Area. They primarily finance investment properties, including multifamily, mixed-use, industrial, and San Francisco TIC projects, using discretionary in-house underwriting.

Loan Amounts: $100,000 - $4,000,000
Simplending Financial

Simplending Financial is a Houston-based private money lender serving real estate investors nationwide. Its programs include fix-and-flip, ground-up construction, DSCR rental, and bridge loans, with financing from $75,000 to $10 million depending on the program.

Loan Amounts: $100,000 - $10,000,000
F2 Finance LLC

F2 Finance is a direct balance sheet private lender based in Santa Monica, California, providing bridge loans for residential, mixed-use, commercial, and select land transactions across 16 states. The firm focuses on flexible, story-based underwriting, fast closings, and loans that fall outside traditional institutional credit boxes.

Loan Amounts: $300,000 - $3,000,000
First Bridge Lending CRE

First Bridge Lending CRE, based in Petaluma, California, specializes in quick bridge loans for commercial real estate across Arizona, California, Oregon, and Washington. They offer loans from $500,000 to $10 million with flexible terms and in-house underwriting, focusing on multifamily, industrial, and retail properties.

Loan Amounts: $500,000 - $10,000,000
Wilshire Finance Partners

Wilshire Finance Partners is an Irvine, California real estate finance and investment company founded in 2008. It provides small-balance commercial, multifamily and seniors-housing bridge loans nationwide, generally $1M–$10M, with a focus on transitional and value-add assets.

Loan Amounts: $1,000,000 - $10,000,000
Wilshire Quinn Capital, Inc.

Wilshire Quinn Capital is a San Diego-based direct portfolio bridge lender serving commercial and non-owner-occupied residential investors nationwide. Since 2004, it has focused on fast, in-house underwriting for purchases, refinances, cash-out, rehab and 1031-exchange transactions.

Loan Amounts: $200,000 - $20,000,000
CB South Capital

CB South Capital is a bridge lender providing short-term financing secured by commercial real estate from $1M to $25M. They finance multifamily, mixed-use, industrial, retail, hospitality, land, and construction projects in select markets.

Loan Amounts: $1,000,000 - $25,000,000

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