SF Bay Area Rehab Lenders for Residential Rental Property

Are you looking to rehab and hold residential rental properties in the San Francisco Bay 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 the Bay Area's urban neighborhoods. 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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Kiavi

Servicing 12,000+ Real Estate Investors Across the Country

$100,000 - $3,000,000
12 to 360 months
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%
MOR Financial

Direct Lender for California Investment Properties

$100,000 - $3,000,000
6 to 36 months
7.99% - 11.99%
0 - 3.00%
ZINC Financial

$100,000 - $5,000,000
9 to 360 months
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%
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%
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%
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%
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%

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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