Fix and Flip and Investment Loans California

Rating: 5
Author: Sahap Borak

In one line

Short-term financing to acquire and renovate a California property, structured around the exit rather than your tax returns.

The property and the exit carry the decision, which is why it moves at the speed a purchase like this needs.

Finance the upgrade, unlock the value

This is real estate based lending. The property and the plan carry the decision, which is why it moves faster than a conventional loan and why it suits a project with a defined end date.

Whether it is one property or several, the loan is sized to the renovation and the exit rather than to a formula that was never written for this kind of work.

Photo: Milana Real Estate Group

Who we serve in California

Real estate investors in California
Realtors doing their own fix and flip projects
Realtors working with investor clients
Mortgage brokers seeking private capital solutions

How our fix and flip loans work

Secured by the property and the plan
Always interest-only
No prepayment penalty
Short term, sized to the renovation and the exit
Single property or multiple projects

Rates and limits depend on the property and the file. Nothing here is a commitment to lend.

Why choose a bridge loan for the work

A bank looks at a property in its current condition and often declines the exact house a renovation loan exists for. Private capital looks at what it will be worth once the work is done.

Because there is no prepayment penalty, a fast sale after the renovation is rewarded rather than punished.

Photo: Jennifer Rosdail Real Estate Team

Typical scenarios we see in California

Improving before listingSpend on the kitchen now, recover it in the sale price later.

Purchase a property in distressA sad property is an opportunity. Condition problems that a bank declines are often exactly what this is for.

A deadline on the purchaseSpeed is the product. Conventional timelines do not fit every deal.

Agents and investors who work with us

★★★★★ “I recently worked with the group on a 4-unit conversion project in San Rafael, and Sofia was absolutely outstanding. She was proactive, highly communicative, and made sure all the funding conditions were handled efficiently so we could stay on schedule.”Sahap Borak · Google review

Questions we get on this

Do I need to be a full-time investor?

No. You do not have to do this for a living. What the loan does need is a genuine fix and flip, because the sale or refinance at the end is the exit that repays it.

Is it alright if the property is mid-construction or in poor condition?

Yes. That is often exactly the property this exists for, and the reason a bank will not touch it.

Can I use the equity in my primary residence to buy a fix and flip property?

Yes, that is a common structure. Talk it through with us and we will tell you how it would be put together.

Is this based on my income?

The property and the exit plan carry most of the weight.

Is there a penalty if I sell quickly?

No prepayment penalty.

How fast can it fund?

Five to ten days is typical.

Talk the project through.

Bring the address, the numbers and the exit. You will get a straight answer.

See your buying power

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Golden Gate Lending Group Inc. · California DRE #01405277 · NMLS #241012 · Equal Housing Opportunity. Loans are made or arranged pursuant to a California Department of Real Estate license. This site is not a commitment to lend, and all loans are subject to underwriting and property approval.

Fix and Flip and Investment Loans in California.