SF Bay Area Construction Lenders for Residential Investment Property

Are you building a residential investment property in the San Francisco Bay Area? On this page you'll find a list of private construction lenders for ground-up projects throughout the Bay Area's urban neighborhoods. The maximum loan-to-completed value (LTCV) for most lenders is 70%. You typically need to contribute 20%-25% of the project costs and have some cash reserves. Experience is almost always required. Most lenders will require the project to be fully entitled and shovel ready. A small percentage of lenders will consider land acquisition and/or horizontal financing. The lenders listed here can fund a single home build, or a development with multiple homes. We have a separate page for lenders that offer ground-up construction financing for commercial properties.
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ZINC Financial

$100,000 - $5,000,000
9 to 360 months
Nationwide Mortgage - California

Bridge, Rehab, Construction, & Rental

$100,000 - $10,000,000
4 to 360 months
7.25% - 12.50%
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%
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%
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%
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%

Select a Metro Area

California is a huge state, and most 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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