Direct Lender for California Real Estate Investors
At MOR Financial, our programs are customizable to meet each borrower’s needs. Whether that means highest possible leverage for a fix and flip transaction, lowest interest rate and fees for a refinance and everything in between.
- Loan Amounts Up to $3M
- Purchase & Refinance Bridge Loans
- Residential Fix & Flip (or Rent) Loans
- 100% Loan-to-Purchase Price
- Borrower pays for entire rehab budget
- Cannabis-Use Properties (in large metro areas)
- Land Loans in Urban and Suburban areas
- Flexible valuation options – BPO, desktop appraisal, etc.
- Zero Points option
Please note: We do not offer loans for owner-occupied homes or ground-up construction projects.
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Maximum Leverage
Purchase Short-Term (no Value-Add)
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Residential Fix & Flip
Residential Rehab & Hold
Multifamily Value-Add
Commercial Value-Add
Property Types
- 2-4 Units Residential
- Auto Repair
- Cannabis Dispensary
- Commercial Condominium
- Commercial Land
- Condominium
- Gas Station
- Industrial
- Mixed-Use
- Multifamily
- Office
- Parking Lot
- Portfolio of Commercial Properties
- Portfolio of Residential Properties
- Residential Land
- Retail
- Single Family Residence
Loan Types
- Private Money
- Hard Money
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
- Commercial Bridge
Specialty Loan Types
- Cannabis Use Properties
Description
For land, we only consider a purchase or the refinance of another loan. We do NOT offer cash out for land.
Land Types Considered
- Residential Land
- Multifamily Land
- Industrial Land
- Office Land
- Retail Land
- Hospitality Land
- Cannabis Use Land
- Covered Land
Will Consider Land That is NOT Entitled
yesMax LTV for Land
50%Max LTC for Land Acquisition
50%Max Loan-to-Purchase Price
100%Borrower Must Have Property Under Contract
noWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
yesAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Subject Property
- Equity in Another Investment Property
- Equity in Primary Residence
- Seller Financing
- Family
Experience Required
yesMinimum Number of Value-Add Projects Completed by Borrower
1Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
0%Typical Number of Days for Funds Draw
2Maximum After Repair Value
70%Multi-Purpose Lender Fee
We charge a multi-purpose fee in additional to the origination fee. It covers loan documents, wire fees, underwriting, and loan processing, rehab draw fees (if applicable).
Appraisal Fee
Appraisal fees are paid directly to the appraiser
Renovation Construction Draw Fee
$Inspection fees are paid directly to the inspector.
Minimum Origination Fee Amount
$2,000
Fees which are paid to a third party company
- Appraisal Fee
- Renovation or Construction Funds Draw Fee
Contact MOR Financial
Stay Informed About Private Lending
About MOR Financial Services, Inc.
- California Hard Money Lender / Asset Based Lender
- We handle loan origination to loan servicing (Post Closing). We do not send you to a different servicer.
- We manage our own Investment fund to close these loan originations.
- Since we manage our own fund, we make the decision to approve a loan.
- We can customize loans to fit your needs.
- We can fund your deal as fast as 3 days!
Office Locations
1100 Wilshire Boulevard, Suite 3302, Los Angeles, California 90017Our Team
Sean Morsi
Fund Manager, Founder
CA DRE Broker Lic. - 01442047
Antony Tobar
Investor Relations
CA DRE Lic. - 02057418
Contact MOR Financial
Stay Informed About Private Lending
Contact This Lender
Create a Loan Request
Be more efficient with your lender search. Provide the loan details once, save it, and then share it with multiple lenders.
Contact MOR Financial by whichever method you choose.
If you submit a loan request or email, it will be sent to the lender, and they will reply to you directly. A copy will be saved in our database. We will not share your information unless you ask us for recommendations.
Our Minimum Loan Amount Is
$100,000
What We Do
- Investment Properties in California
- Residential Bridge up to 75% LTV
- Commercial Real Estate up to 65% LTV
- Creative Structures for SFR Rehabs
- Cannabis-Use Properties up to 55% LTV
Not Available
- NO Owner-Occupied Homes
- NO 2nd Cash Out or Gap Funding
- NO Ground-Up Construction
- NO Special Purpose Properties
- NO Rural Areas