SF Bay Area Hard Money Lenders for Real Estate Investors
Need a hard money loan secured by real estate in the San Francisco Bay Area? This page has a list of direct hard money lenders that offer quick funding for a Bay Area property purchase, refinance, fix & flip, rehab & rent, ground-up construction, and equity cash out in 1st lien position. Hard Money lending is only for investment properties, not for homesteads. The loans are mainly based on equity in the subject property. For most lenders, the maximum LTV is typically 70% for a purchase and 65% for an equity cash out loan.Searching...
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Rubicon Mortgage Fund, LLC
Northern California’s Premier Direct Lender | No Appraisal Required
Conventus
We Fund Fast While Providing Excellent Service and Competitive Pricing
Secured Capital Lending
Direct Private Lender for California Investment Properties
Easy Street Capital
Direct Lender for Residential Flips and Rentals
Security Financial Services
Direct Lender for Northern California Property Investors | Established 1943
Red Tower Capital, Inc.
Based in SF, lending throughout CA and beyond. Good service, quick close.
MOR Financial
Direct Lender for California Investment Properties
SDC Capital
Family Office Lender. No 3rd-party appraisal (typically). Soft Money Terms in 1st or 2nd Lien Position.
Kiavi
Servicing 12,000+ Real Estate Investors Across the Country
Center Street Lending
Smarter Loans for Residential Property Investors
Nationwide Mortgage - California
Bridge, Rehab, Construction, & Rental
First Bridge Lending
Direct Lender for California Real Estate Investors | No Appraisal Required
RCN Capital
Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
Diversified Mortgage
Multifamily Bridge Loans only. Interest Rates are 8.5% for 4-year term, 8.25% for 2 years, 7.95% for 1 year.
Lima One Capital
The Nation's Premier Lender for Real Estate Investors
SF Bay Area Hard Money Interest Rates
According to the hard money loan documents software company, Lightning Docs, the average interest rate for San Francisco Bay Area hard money loans in the 4th quarter of 2023 was 10.99%. The average loan amount was $801,625. These stats are the average of 88 short-term loans (including bridge, rehab, and ground-up construction) funded for investment properties in the Bay Area between October 1, 2023 and December 31, 2023 by multiple hard money lenders that use Lightning Docs as their preferred software provider to prepare loan documents. Of the 88 total loans in the 3-month period, 26 were secured by properties in Santa Clara County, 25 in Contra Costa County, 17 in Alameda County, 9 in Sonoma County, 6 in San Mateo County, and 5 in San Francico.
Funded Hard Money Loans in the San Francisco Bay Area
Hard Money Refinance Loan for Medical Office Building in Walnut Creek, California
$5,500,000
Rubicon Mortgage Fund, a direct private money lender, funded a $5,500,000 1st lien position equity cash-out hard money loan secured by a Class-A medical office building in Walnut Creek, CA. The loan-to-value was under 50%. The use of funds was for tenant improvement dollars to build out over 30,000 square feet of medical space. The building has credit tenants who have signed long-term leases. Originally the property was acquired in cash for $15,700,000 in July 2020. It comprises over 108,000 square feet of office space, and the lot size is 5.9 acres with 477 parking stalls. The loan includes a two-year interest reserve. The ownership group includes Harrison Street & Pinnacle Capital. The loan term was set at 3 years. This hard money refinance loan was funded in March 2024.
2nd Mortgage Line of Credit for Residential Property in Richmond, California
$350,000
Stonecrest Financial, a direct private mortgage fund based in San Jose, provided a $350,000 2nd mortgage secured by an owner-occupied residential property in Richmond, Contra Costa County, CA. Our Client had owned a successful hardscape business for many years. The supply store that he purchases his materials from went up for sale. Excited to purchase the business, the Client researched many financing options only to run into roadblock after roadblock despite his good income and credit, due to his citizenship status. Stonecrest funded a business purpose 2nd mortgage on his home which provided the funds required to complete the purchase, along with a line of credit for additional working capital. The combined loan-to-value was 58%, and the loan term is 12 months. Although we don’t typically provide private mortgages secured by an owner-occupied home, we were able to make an exception because the funds will be used for business/investment purposes. This private mortgage was funded in October 2019.