California Bridge Lenders for Multifamily Properties

SDC Capital, a direct private lender based in Burbank, funded a $1,190,000 bridge loan for the acquisition of a 6-unit multifamily property in Santa Ana, CA. We funded 70% of the $1,700,000 purchase price, while the Borrower contributed 30% at closing. Located in Santa Ana’s Historic French Park neighborhood, a desirable residential area within the city’s downtown core, the property was acquired by an experienced Borrower with a proven track record, a clear business plan, and a defined exit strategy. They plan to refinance the bridge loan with permanent debt. With an estimated after-repair value of approximately $2,000,000, the property provides a clear path toward the Borrower’s longer-term financing strategy. The subject property is approximately 5,042 square feet, set on a 9,288-square-foot lot. It was fully occupied at closing. The loan term was set at 12 months. This bridge loan was funded in August 2026. 

SDC Capital, a direct private lender based in Burbank, funded a $1,087,000 bridge loan for the acquisition of a 6-unit multifamily home in east Los Angeles, CA. The loan was structured at 75% loan-to-value with a $837,000 1st lien and a $250,000 2nd mortgage construction holdback for the development of additional ADUs on the property. This transaction presented a strong value-add opportunity for the repeat Borrower, allowing the existing asset to be expanded and its income potential increased. By incorporating ADU construction into the business plan, the Borrower aims to maximize the property’s footprint and overall rental yield. With a 12-month bridge loan in place, the Borrower has the flexibility to complete construction and stabilize the property. Upon completion, the exit strategy is to refinance into long-term financing and capture the additional value created through the improvements. All units were occupied at closing. The property is approximately 4,861 square feet. This multifamily bridge loan was funded in April 2026. 

SDC Capital, a direct private lender based in Burbank, funded a $1,200,000 bridge loan for the acquisition of a 5-unit multifamily home in the Westwood neighborhood of Los Angeles, CA. We funded 60% of the purchase price, while the Borrower contributed 40% at closing. We closed in just 8 days with no third-party appraisal required. The loan was for a high-vacancy property with deferred maintenance, but the Borrower—a seasoned real estate investor launching his own investment company—presented a clear value-add plan. The strategy is to renovate the vacant units and lease them at market rents, positioning the property for strong upside with an estimated after-repair value of $2,200,000. This deal reflects SDC CAPITAL’s ability to support Borrowers who require fast and reliable funding. The loan term was set at 12 months. This multifamily bridge loan was funded in January 2026. 

SDC Capital, a direct private lender based in Burbank, funded a $3,712,500 bridge loan for the acquisition of a 28-unit multifamily property in Maywood, Los Angeles County, CA. The loan was structured at 75% loan-to-value, with the Borrower contributing 25% toward the purchase. Our loan-to-after-repair value was 59.8%. The subject property was largely occupied at closing, with only two vacant units, and was in average condition. The Borrower intends to implement a renovation program designed to enhance value, with a projected after-repair value of $6,200,000. Upon completion and stabilization, the Borrower plans to refinance into a conventional loan. This transaction was completed for a repeat Borrower with a long-standing relationship with us and a proven track record of successful projects. The deal highlights SDC Capital’s ability to provide flexible acquisition financing to experienced operators with a clearly defined path to stabilization. The loan term was set at 18 months. This bridge loan was funded in January 2026. 

Secured Capital Lending, a direct private lender, funded a $1,000,000 1st lien bridge loan for the acquisition of a multifamily development site in Van Nuys, Los Angeles County, CA. We funded 35% of the $2,900,000 purchase price, while the Borrower contributed 65% cash at closing. The Borrower is a seasoned developer and owner of a construction company for more than 25 years. He located a unique opportunity to acquire a 13,700-square-foot lot that is slated to have a 33-unit multifamily building. The land came with approved plans and ready-to-use (RTI) permits. The seller needed a fast close, so the Borrower decided to secure the lot with a quick bridge loan. This allowed him to prepare his team for the construction phase without rushing to find the right construction lender. We were able to quickly underwrite and get comfortable with the deal. Since the lot was fully entitled, this further reduced the investment’s risk level. This is a repeat Borrower of ours, and we were already comfortable with his experience and track record. No appraisal was needed since the property is local to us. We consulted with several elite commercial brokers in the area, including Marcus and Millichap, to get second opinions on value. It was a win-win for all parties involved. The Borrower had excellent credit. They plan to refinance into a construction loan. The interest rate was 11.5%, and the loan term was set at 12 months. This CRE bridge loan was funded in May 2024.

Rubicon Mortgage Fund, a direct private money lender, funded a $4,950,000 1st lien position bridge loan for the acquisition of a 60-unit multifamily property in Sacramento, CA. The purchase price was $6,750,000. The Borrower contributed some cash, but the majority of their equity came from the 1031 exchange of another investment property – a 25,000 square foot office building in Sacramento which had an estimated value of $2,000,000. Conventional financing was not an option because the multifamily property had some affordable housing restrictions, and the rents were below market due to the condition of the units. The Borrower plans to upgrade most of the units over a 12 to 18-month period. Once the rents have been increased and the property is stabilized, they plan to refinance into a permanent multifamily loan. The loan term was set at 24 months. This multifamily bridge loan was funded in February 2024. Learn more about other funded loans in Sacramento here.

SDC Capital, a direct private lender based in Burbank, funded a $770,000 1st lien position bridge loan for the purchase of a 6-unit multifamily property in Norwalk, Los Angeles County, CA. Other lenders had halted all lending activity or couldn’t accommodate the Borrower’s needs. Fortunately, we had adjusted our lending programs to account for the new, uncertain economy and this deal was a perfect fit. The LTP (loan-to-purchase) was just 55%. The Borrower brought 45% cash to the closing table. We were able to work with the Borrower and combine efforts to safely inspect the property and underwrite the value, with no appraisal and no hassle. As a result, the deal closed without any issues or delays. Our interest rate was 7.99% plus an origination fee of 1 point. This bridge loan was funded in April 2020.