Santa Barbara Bridge Lenders for Residential Investment Property
Are you seeking a bridge loan secured by residential property in the Santa Barbara metro area? On this page you'll find a list of select bridge lenders for Santa Barbara investment properties with 1 to 4 units. To get a 1st lien bridge loan, you must have at least 30% equity. Due to state laws and regulations, it's not possible to get a bridge loan for a homestead (owner-occupied primary residence) or 2nd home, but if that's what you're seeking, use the filters to change the loan type to 'Residential Owner-Occupied' and you may find some alternative lending options.Searching...
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Center Street Lending
Smarter Loans for Residential Investors
SDC Capital
Family Office Lender. No 3rd-party appraisal (typically). Soft Money Terms in 1st or 2nd Lien Position.
Dunmor
Do More With Dunmor
Groundfloor Lending
Fast Funding with Deferred Interest Payments
Rubicon Mortgage Fund, LLC
California’s Premier Direct Lender | No Appraisal Required
First Bridge Lending
Direct Lender for California Real Estate Investors | No Appraisal Required
Residential Capital Partners
100% Financing for Residential Rehab Projects (NO Money Down)
RCN Capital
Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans
Kiavi
Servicing 18,000+ Real Estate Investors Across the Country
LBC Capital Income Fund, LLC
Bridge Loans for Real Estate Investors
Trimark Funding Inc
Fast funding with No Appraisal, No Credit Check, No Red Tape
Loan Mac, Inc.
2nd Mortgage Cash Out Loans up to 75% CLTV | No Appraisals
Secured Capital Lending
Direct Private Lender for California Investment Properties
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
Conventus
We Fund Fast While Providing Excellent Service and Competitive Pricing
Certain Lending
The Mortgage Company Built for Real Estate Investors
Unitas Funding LLC
Direct Lending for Residential Property Investors - Bridge, Rehab, Construction
Temple View Capital
Direct Lender for Residenital Property Investors Nationwide
Stonecrest Financial
Bridge Loans up to 3 years | True Revolving Line of Credit in 1st or 2nd Position
RBI Private Lending
Direct lender for Bridge Laons, Fix and Flip and Construction. Foreign nationals and new investors welcome.
Top 20 California Bridge Loan Lenders
According to Forecasa™, here are the Top Bridge Lenders ranked by the number of bridge loans* originated in California from July 2025 to September 2025.
- Kiavi funded 772 loans
- Conventus LLC funded 361 loans
- Center Street Lending funded 250 loans
- Anchor Loans funded 235 loans
- Oaktree Funding Corporation funded 227 loans
- Merchants Mortgage and Trust Corporation funded 199 loans
- Velocity Commercial Capital funded 179 loans
- Genesis Capital funded 178 loans
- Val Chris Investment Inc funded 156 loans
- Arv Finance INC funded 148 loans
- Fundloans Capital funded 122 loans
- First Bridge Lending funded 107 loans
- Go Rascal INC funded 106 loans
- Youland Inc funded 106 loans
- Easy Street Capital funded 105 loans
- Provident Trust Group funded 82 loans
- Archwest Funding funded 79 loans
- Ardri LLC funded 73 loans
- SPREO Capital Partners funded 69 loans
- Private Business Capital (CalPrivate Bank) funded 69 loans
* The number of loans funded are approximate and includes long-term rental loans.
Forecasa™ gives investors and lenders in the private real estate market powerful analytics and actionable insights. They help you skip the hassle of combing county records and focus on closing deals. With detailed market trends, investor and lender activities, and competitive benchmarking, you can make smart, strategic decisions. Some of their services include dynamic market reports, transaction-level details, customer analytics, borrower verification, and in-depth profiles of investors, lenders, and capital partners. You’ll find their top lenders data for many other states on our platform..
California Bridge Loan Interest Rates
According to the loan documents software company, Lightning Docs, the average interest rate for California residential property bridge loans in the 4th quarter of 2025 was 10.20%. The average loan amount was $1,099,058. These stats are the average of 1,572 short-term loans (including bridge, rehab, and ground-up construction) funded for investment properties in California between October 1, 2025 and December 31, 2025 by multiple lending companies that use Lightning Docs as their preferred software provider to prepare loan documents.
Although California bridge loan interest rates tend to be lower than other states, the data includes a lot of 2nd mortgages, which typically have higher rates than 1st mortgages. 2nd mortgages are quite common in California. In most other states, 2nd mortgages are non-existent in bridge lending.
Here is a breakdown of average interest rates in California’s metropolitan areas:
Los Angeles Metro Area
The average interest rate for Los Angeles bridge loans in the 4th quarter of 2025 was 10.69%. The average loan amount was $915,553. Of the 673 total loans in the 3-month period, 442 were secured by properties in Los Angeles County, 118 in Orange County, 50 in Riverside County, 41 in San Bernardino County and 22 in Ventura County.
San Francisco Bay Area
The average interest rate for Bay Area bridge loans in the 4th quarter of 2025 was 10.09%. The average loan amount was $1,064,781. Of the 329 total loans in the 3-month period, 62 were secured by properties in Alameda County, 45 in Contra Costa County, 17 in Marin County, 7 in Monterey County, 7 in Napa County, 40 in San Francisco County, 40 in San Mateo County, 83 in Santa Clara County, 4 in Santa Cruz County, 10 in Solano County and 14 in Sonoma County.
San Diego
The average interest rate for San Diego bridge loans in the 4th quarter of 2025 was 9.93%. The average loan amount was $1,129,511. The averages are derived from 330 loans secured by properties in San Diego County.
Sacramento
The average interest rate for Sacramento bridge loans in the 4th quarter of 2025 was 10.70%. The average loan amount was $842,841. Of the 63 total loans in the 3-month period, The averages are derived from 36 loans secured by properties in Sacramento County, 11 in El Dorado County and 14 in Placer County.
Central Valley
The average interest rate for Central Valley bridge loans in the 4th quarter of 2025 was 10.30%. The average loan amount was $458,204. Of the 77 total loans in the 3-month period, 34 were secured by properties in Fresno County, 16 in Kern County, 4 in Madera County, 3 in Merced County, 16 in San Joaquin County and 4 in Stanislaus County.
Santa Barbara
The average interest rate for Central Valley bridge loans in the 4th quarter of 2025 was 10.10%. The average loan amount was $1,175,142. Of the 28 total loans in the 3-month period, 6 were secured by properties in San Luis Obispo County and 22 in Santa Barbara County.
According to private lending data provider, Analytics Logics, the average interest rate for bridge loans secured by residential investment properties in California in the 3rd quarter of 2025 was 10.29%. Lenders charged an average of 1.3% points (origination fee). The average LTV (loan-to-value) for bridge loans in California was 57%, and the average loan amount was $676,100. These stats are the average of all the loans which were funded between July 1, 2025 and September 30, 2025 by the many private lenders who use Liquid Logics’ loan origination software to manage their lending operations.
Top California Investors Using Bridge Loans
According to Forecasa™, here are the some of the most active real estate investors in California that use bridge lenders, ranked by the number of mortgage transactions* from January 2025 to August 2025.
- Zca Homes LLC
- Gennext Properties LLC
- Aro Properties Norcal 1 LLC
- Lykos Holdings LLC
- Milestone Investments (Ca)
- EVEROSE LLC
- Tlp 1 LLC
- RS REAL ESTATE PLUS
- New Leafs LLC
- JRC INVESTMENTS LLC
- New Beginnings Ventures LLC
- Luxx Investments Corporation
- My Tien Truong INC
- DB Residential LLC
- AJX Homes LLC
- Sky Living Investments LLC
- Mr Rehab INC
- Hm Homes INC
- EPIC LA QUINTA PARTNERS LLC
- KYB HOMES LLC
Here are some of the lenders on our platform that have funded loans for the top residential real estate investors in California recently:
Kiavi | Conventus LLC | Certain Lending* Many of these real estate investors also use banks and traditional financing, but Forecasa data shows that they have recently used a hard money lender for their property investments.
Forecasa™ empowers real estate professionals with data-driven insights to wholesalers looking for cash buyers, real estate investors tracking their competition, or lenders seeking new clients. With access to property acquisition data, investor profiles, and transaction patterns, you can quickly identify active buyers, match deals to the right investors, and move properties faster. Whether you buy a few credits for targeted lookups or subscribe for full market access, Forecasa helps you stay ahead of the competition and build relationships with the most active players in your area.
California Bridge Loan Volume
According to SFR Analytics, here is the approximate quarterly volume of bridge loans secured by investment real estate in California which were funded by private lending companies from January 2025 to December 2025.
- Approximately $- of bridge loans were funded in the 4th quarter of 2025 for - borrowers.
- Approximately $4,349,257,585 of bridge loans were funded in the 3rd quarter of 2025 for 3,405 borrowers.
- Approximately $5,916,144,682 of bridge loans were funded in the 2nd quarter of 2025 for 3,974 borrowers.
- Approximately $4,048,456,002 of bridge loans were funded in the 1st quarter of 2025 for 3,330 borrowers.
Below are the approximate bridge loan volume amounts for California’s metropolitan areas:
Bakersfield-Delano, CA
- 2025 Q4: $- for - borrowers
- 2025 Q3: $16,190,417 for 59 borrowers
- 2025 Q2: $20,701,340 for 61 borrowers
- 2025 Q1: $11,106,025 for 42 borrowers
Fresno, CA
- 2025 Q4: $- for - borrowers
- 2025 Q3: $30,755,240 for 81 borrowers
- 2025 Q2: $31,472,896 for 98 borrowers
- 2025 Q1: $22,462,800 for 79 borrowers
Los Angeles-Long Beach-Anaheim, CA
- 2025 Q4: $- for - borrowers
- 2025 Q3: $1,941,867,949 for 1,291 borrowers
- 2025 Q2: $3,437,299,570 for 1,506 borrowers
- 2025 Q1: $2,067,507,545 for 1,239 borrowers
Oxnard-Thousand Oaks-Ventura, CA
- 2025 Q4: $- for - borrowers
- 2025 Q3: $4,487,010 for 5 borrowers
- 2025 Q2: $23,572,032 for 22 borrowers
- 2025 Q1: $ for borrowers
Riverside-San Bernardino-Ontario, CA
- 2025 Q4: $- for - borrowers
- 2025 Q3: $217,710,497 for 352 borrowers
- 2025 Q2: $194,402,024 for 395 borrowers
- 2025 Q1: $180,793,079 for 339 borrowers
Sacramento-Roseville-Folsom, CA
- 2025 Q4: $- for - borrowers
- 2025 Q3: $113,419,528 for 191 borrowers
- 2025 Q2: $106,097,308 for 203 borrowers
- 2025 Q1: $88,748,908 for 170 borrowers
San Diego-Chula Vista-Carlsbad, CA
- 2025 Q4: $- for - borrowers
- 2025 Q3: $491,426,907 for 385 borrowers
- 2025 Q2: $512,898,627 for 432 borrowers
- 2025 Q1: $422,649,166 for 355 borrowers
San Francisco-Oakland-Fremont, CA
- 2025 Q4: $- for - borrowers
- 2025 Q3: $567,690,435 for 355 borrowers
- 2025 Q2: $717,632,960 for 500 borrowers
- 2025 Q1: $491,508,237 for 359 borrowers
San Jose-Sunnyvale-Santa Clara, CA
- 2025 Q4: $- for - borrowers
- 2025 Q3: $370,468,474 for 157 borrowers
- 2025 Q2: $325,256,693 for 158 borrowers
- 2025 Q1: $287,098,320 for 159 borrowers
Stockton-Lodi, CA
- 2025 Q4: $- for - borrowers
- 2025 Q3: $11,631,590 for 28 borrowers
- 2025 Q2: $18,626,983 for 56 borrowers
- 2025 Q1: $19,501,800 for 39 borrowers
SFR Analytics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market..
Select a Metro Area
California is an enormous state, and most bridge lenders are selective about where they lend, so filter your search by selecting a metro area:
Northern California: SF Bay Area | Sacramento | Lake Tahoe
Southern California: Los Angeles | San Diego | Orange County | Riverside County | San Bernardino County | Santa Barbara
Central California: Central Valley | Bakersfield | Fresno
