SF Bay Area Bridge Lenders for Residential Investment Property

Are you seeking a bridge loan secured by residential property in the San Francisco Bay Area? On this page you'll find a list of select bridge lenders for Bay Area 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.
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ZINC Financial

$100,000 - $5,000,000
9 to 360 months
MOR Financial

Hard Money Bridge Loans for California and Florida Properties

$100,000 - $3,000,000
6 to 60 months
10.99% - 12.99%
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%
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%
Center Street Lending

Smarter Loans for Residential Investors

$100,000 - $40,000,000
6 to 24 months
9.00% - 12.50%
0.50% - 2.00%
Security Financial Services

Direct Lender for Northern California Property Investors | Established 1943

$100,000 - $4,000,000
6 to 36 months
7.95% - 9.50%
1.00% - 2.00%
First Bridge Lending

Direct Lender for California Real Estate Investors | No Appraisal Required

$100,000 - $10,000,000
6 to 24 months
8.75% - 11.49%
1.00% - 2.00%
Kiavi

Servicing 12,000+ Real Estate Investors Across the Country

$100,000 - $3,000,000
12 to 360 months
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%
Red Tower Capital, Inc.

Based in SF, lending throughout CA and beyond. Good service, quick close.

$50,000 - $8,000,000
3 to 36 months
7.00% - 12.00%
1.00% - 4.00%
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%
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%
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%

SF Bay Area Bridge Loan Interest Rates

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According to the loan documents software company, Lightning Docs, the average interest rate for San Francisco Bay Area bridge loans in the 1st quarter of 2024 was 10.84%. The average loan amount was $818,628. These stats are the average of 117 short-term loans (including bridge, rehab, and ground-up construction) funded for investment properties in the Bay Area between January 1, 2024 and March 31, 2024 by multiple bridge lenders that use Lightning Docs as their preferred software provider to prepare loan documents. Of the 117 total loans in the 3-month period, 38 were secured by properties in Santa Clara County, 15 in Contra Costa County, 27 in Alameda County, 10 in Marin County, 12 in San Mateo County, 10 in San Francisco, and 5 in Santa Cruz County.

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