California Fix and Flip Lenders

Are you flipping residential properties in California? On this page you'll find a list of fix and flip lenders throughout the state, funded deal summaries, and general information about rehab loans - guidelines, leverage, down payment requirements, and more. Fix & flip lending is only for residenital properties with 1-4 units. We have a separate page for lenders that offer fix & flip financing for multifamily and other commercial real estate.

Since California is such a big state, many lenders only consider properties in particular metro areas. Select a region to filter the lender list:

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RCN Capital

Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans

$75,000 - $10,000,000
12 to 360 months
8.00% - 13.00%
2.00% - 5.00%
Kiavi

Servicing 12,000+ Real Estate Investors Across the Country

$75,000 - $2,000,000
12 to 360 months
Secured Capital Lending

Direct Private Lender for California Investment Properties

$100,000 - $20,000,000
12 to 360 months
6.99% - 9.99%
1.00% - 2.00%
SDC Capital

Family Office Lender. No 3rd-party appraisal (typically). Soft Money Terms in 1st or 2nd Lien Position.

$250,000 - $5,000,000
3 to 24 months
8.99% - 9.99%
1.00% - 2.00%
Cityscape Finance, LLC

Price a Loan Online and Get Pre-Qualified Instantly

$75,000 - $4,000,000
6 to 36 months
8.50% - 12.75%
Finance of America Commercial

Residential Real Estate Investment Loans Made Simple

$50,000 - $50,000,000
12 to 360 months
MOR Financial

Direct Lender for California Investment Properties

$100,000 - $3,000,000
6 to 36 months
7.99% - 11.99%
0 - 3.00%
Lima One Capital

The Nation's Premier Lender for Real Estate Investors

$75,000 - $20,000,000
13 to 360 months
7.20% - 12.10%
0.25% - 2.50%
Nationwide Mortgage - California

Bridge, Rehab, Construction, & Rental

$100,000 - $10,000,000
4 to 360 months
7.25% - 12.50%
0 - 2.00%
Center Street Lending

Smarter Loans for Residential Property Investors

$250,000 - $2,500,000
6 to 24 months
5.99% - 11.99%
1.00% - 3.00%
Karpe Real Estate Center

Private Lending for Central California Real Estate - Bakersfield, Fresno, Central Valley, Sacramento | Est. 1926

$30,000 - $5,000,000
6 to 60 months
9.50% - 12.00%
2.00% - 6.00%
Easy Street Capital

Direct Lender for Residential Flips and Rentals

$75,000 - $2,000,000
6 to 12 months
9.90% - 12.90%
1.50% - 3.00%
American Heritage Lending

Direct Lender for Residential Real Estate Investors Nationwide

$100,000 - $5,000,000
12 to 360 months
8.00% - 12.00%
1.00% - 3.00%
Conventus

We Fund Fast While Providing Excellent Service and Competitive Pricing

$150,000 - $100,000,000
6 to 60 months
9.00% - 12.99%
0 - 2.00%

California Fix & Flip Loan Stats

According to private lending data provider, Analytics Logics, the average interest rate for fix & flip loans in California is 10.49%. The average loan amount is $765,180. These stats are the average of all the loans which were funded between April 1, 2023 and September 15, 2023 by the many private lenders who use Liquid Logics’ loan origination software to manage their lending operations.

Fix & flip loans include the purchase of the property and the renovation budget, with the loan-to-after-repair value typically being no more than 70%.

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