Flexible Loan Programs (southern California metropolitan areas only)

Bridge Loans
(southern California metropolitan areas only)

A temporary loan for investors who want to buy and reposition properties. Bridge loans are perfect for investors who are unable to get conventional financing due to the property's condition as well as investors who are in need quick funding for acquisition or repositioning of the property.

Benefits include:

  • Amounts from $500,000 - $3 million (for larger amounts case by case basis).
  • 3 to 12 month loan term. (for longer terms case by case basis).
  • Faster execution.
  • Simpler underwriting and approval process.
  • Allows individuals and businesses to close an acquisition while perusing a long term financing option.
  • Allows repositioning of the project to create equity and income stream.


Fix & Flip

Fix-and-flip loans are short-term loans used by real estate investors for the purpose of purchasing and renovating a property to resell. Our Fix & Flip loan program allows for flexibility and quick access to capital that is in line with our swift underwriting procedures. Our loan amounts are based on after repair value.

  • Amounts from $500,000 - $3 million (for larger amounts case by case basis).
  • 3 – 12 month loan term. (for longer terms case by case basis).
  • Rapid renovation capital for single-family and multifamily
  • Easier qualifications than traditional bank loan process.
  • Credit score is less important than property value for loan approval.
  • Closing takes 7-14 days, which is much faster than conventional bank loans.


Construction Completion

Under construction and in need of capital to complete your project? We can help.

  • Project funding at mid-construction.
  • Major renovations with holdbacks.
  • 6 to 12 month terms.


Buy and Hold

As a private money lender we offer short-term loans to real estate investors for the purchase of investment properties prior to refinancing with a longer-term conventional loan. Finding a lender near you that understand your market is very important.

  • Capital for lease-up and stabilized residential income properties.
  • From $250,000 to over $3 million. We go the extra mile to tailor our offerings based on your needs.


OUR FLEXIBLE LENDING GUIDELINES (southern California metropolitan areas only)

Property Types Single Family Residences (1-4 units), Industrial, Multifamily, Commercial, Hospitality, Office
Loan Amount $250,000 to $3 million+ (larger amounts case by case basis)
Loan Term 3 to 12 months+ (longer terms case by case basis)
Origination Fee 1 to 2.5 points (depending on loan duration)
Collateral Type First trust deed on subject property
Loan Type Bridge, Refinance, Renovation, Acquisition, Construction Completion, Fix & Flip, Buy and Hold.
Interest Rate 8% to 9.25%
Loan-To-Cost Up to 80% including renovation costs
Loan-To-Value Up to 75%
Recourse Personal guaranty required in most cases
Closing Time 7-14 days typically
Location California

All loan programs are subject to National Apartment Loans underwriting guidelines.

Interest rates are subject to change without prior notice.

Business purpose loans only

The National Apartment Loans Process