Santa Barbara Rehab Lenders for Residential Rental Property

Are you looking to rehab and hold residential rental properties in the Santa Barbara metro area? On this page you'll find a list of lenders that provide financing to help investors execute the BRRRR (Buy, Rehab, Rent, Refinance, Repeat) strategy in Santa Barbara's urban areas. You typically need some cash for the purchase (15% to 20%), some cash reserves in case the rehab goes over budget, and a FICO score over 680 to qualify for the long-term refinance. The maximum loan-to-ARV (after-repair value) for most lenders is 70%, but it could be lower depending on the rental income, location, credit score and other factors.
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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%
  • Videos on profile
  • PLL has personally met with this company
  • Deals with construction projects
  • Residential properties only
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Arch Loans

Low and High Leverage Options, up to 90% of purchase price for fix & flip

$100,000 - $10,000,000
1 to 12 months
8.00% - 15.00%
1.00% - 3.00%
  • Videos on profile
  • PLL has personally met with this company
  • Has a unique offering
  • Deals with construction projects
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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%
  • PLL has personally met with this company
  • Deserves recognition
  • Deals with construction projects
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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%
  • Videos on profile
  • PLL has personally met with this company
  • Has a unique offering
  • Deals with cannabis
  • Deals with construction projects
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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%
  • PLL has personally met with this company
  • Deals with construction projects
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Cityscape Finance, LLC

Price a Loan Online and Get Pre-Qualified Instantly

$125,000 - $4,000,000
6 to 36 months
9.99% - 12.75%
  • PLL has personally met with this company
  • Has a unique offering
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Kiavi

Servicing 12,000+ Real Estate Investors Across the Country

$100,000 - $3,000,000
12 to 360 months
  • PLL has personally met with this company
  • Deserves recognition
  • Residential properties only
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MOR Financial

Direct Lender for California Investment Properties

$100,000 - $3,000,000
6 to 36 months
7.99% - 11.99%
0 - 3.00%
  • PLL has personally met with this company
  • Residential properties only
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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%
  • Videos on profile
  • PLL has personally met with this company
  • Deserves recognition
  • Residential properties only
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PrideCo Loans Inc.

Family Office Hard Money Lender for Multifamily and Residential Investment Properties

$150,000 - $3,000,000
6 to 18 months
10.50% - 12.00%
1.00% - 2.00%
  • PLL has personally met with this company
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Secured Capital Lending

Direct Private Lender for California Investment Properties

$100,000 - $20,000,000
12 to 360 months
8.99% - 11.99%
1.00% - 2.00%
  • PLL has personally met with this company
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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%
  • PLL has personally met with this company
  • Deals with construction projects
  • Residential properties only
View Profile

Select a Metro Area

California is a huge state, and most rehab lenders are selective about where they lend. 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

 

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