Hard Money Loans in California

Hard money loan terms

Programs: Fix and flip, bridge and ground-up construction plus rental refinances
Purchase price financed: Up to 90% fix and flip
Rehab or construction budget: 100%, released in draws
Loan vs. after-repair value: 70–75% max fix and flip
Loan amount: $50K – $3M
Term: 12 months, interest only no prepayment penalty
Credit score: From 660 680 for first-time investors
Where: Statewide in California also Florida and Texas
Borrower: LLC or corporation

What is a hard money loan?

A hard money loan is a short-term, interest-only loan secured by investment real estate and sized mainly on the property and the deal rather than your personal income. Investors use it to buy and renovate, to build, or to hold a finished property until it sells or refinances. In California the terms hard money and private money are used for the same kind of loan.

Our loans do that job with our private lender behind them: published guidelines, online draw requests and no prepayment penalty on fix and flip, construction and bridge loans.

Hard money programs we offer

Hard money and private money programs
Hard money program	Use it to	Maximum leverage	Loan size	Term
Fix and flip	Buy and renovate a home	90% of purchase + 100% of rehab	$50K–$3M	12 months
Ground-up construction	Build on a lot or a teardown	75% of land + 100% of construction	$50K–$3M	12 months (18–24 available)
Bridge	Hold a finished property while it sells or leases	70% of value	$50K–$3M	12 months
Multifamily bridge	Buy and renovate 5+ units	75% of purchase + 100% of renovation	$2M–$5M	18–24 months
Rental refinance	Keep the property long term	80% LTV	Up to $2M	30 years

Where we lend in California

Statewide: Los Angeles County and the San Fernando Valley, Orange County, the Inland Empire, Ventura, San Diego, the Bay Area, Sacramento and the Central Valley. Infill homes and lots in cities and suburbs are the best fit.

We also lend in Florida and Texas. For deals there and in other states, see West Coast Capital Investment: hard money loans in Florida · hard money loans in Texas · hard money loans in other states

Hard Money Loans in Los Angeles

What happens after you send a deal

Same person from the first call to the payoff.

We look at the numbersAddress, price, budget, what it will sell or rent for, and your track record. By form or by phone. No application and no credit check yet.
You get a straight answerWhich program fits and roughly how much leverage to expect, before you pay for an appraisal. If the deal doesn’t work, we say so.
Written termsCredit is checked with a soft pull that doesn’t touch your score. Then we order the appraisal and line up title, insurance and your entity documents.
Close in your LLCThe rehab or construction budget is released through draws you request online as work is completed.

Questions about hard money loans

Who offers hard money loans in Los Angeles?

West Coast Capital Mortgage in Los Angeles offers hard money loans across Los Angeles County and the rest of California, plus Florida and Texas: fix and flip, bridge and construction loans.

Is private money the same as hard money?

In practice, yes: short-term, interest-only loans based on the property and the deal.

How much can I borrow with a hard money loan?

Up to 90% of the price plus 100% of the rehab on a flip, 75% of the land plus 100% of the build on new construction, and 70% of value on a bridge loan, from $50,000 to $3 million.

Can I get a hard money loan for my first flip in California?

Yes. First-time investors can get up to 90% of the price plus 100% of a light or moderate rehab, depending on credit.

What credit score do I need for a hard money loan?

From 660, or 680 for first-time investors.

Do you check my income for a hard money loan?

No personal income verification. The loan is sized on the property, your credit and your experience.

Are you licensed in California?

Yes: California DRE Corporation License #02440065 and NMLS #2817729.

What does a hard money loan cost?

A rate and origination points set per deal, plus third-party costs. You see everything in a written term sheet before you pay for an appraisal.

How fast can you close?

As fast as the appraisal and title allow. We order both right after the pre-screen.

How do I get the rehab or construction money?

The budget is held back at closing and released in draws as the work is done: you request a draw online, an inspection confirms the progress and the funds go out.

Do I need an LLC or corporation?

Yes, the loan closes in your LLC or corporation. No entity yet? Set one up before closing.

Which states do you lend in?

California, Florida and Texas. For investment property in other states, see West Coast Capital Investment, our investor-lending site, where you can check availability for your property. Terms can vary by market, and we confirm what applies to your property on the first call.

Not quite this deal?

Investment Property LoansCompare every program side by side.
Fix and Flip LoansUp to 90% of purchase and 100% of rehab.
Ground-Up Construction LoansLand plus 100% of the construction budget.
Investor Bridge LoansFinished properties listed for sale or leasing up.
Rental Portfolio LoansTwo to ten rentals in one 30-year loan.
Multifamily Bridge Loans$2M–$5M value-add loans in California.
DSCR LoansQualify a single rental on its rent.
Hard Money Loans in Los AngelesLos Angeles office, loans across LA County and the Valley.

Business-purpose loans only. The programs on this page finance non-owner-occupied investment property purchased or refinanced by an LLC or corporation. They are not available for personal, family or household purposes or for a home you live in. Owners typically sign a personal guarantee. Loans are made or arranged by West Coast Capital Mortgage (NMLS #2817729, CA DRE Corporation License #02440065) and funded by our private lender. Figures are program maximums under current program guidelines as of November 5, 2026. Actual leverage, loan amount, rate, term and eligibility depend on experience, credit, liquidity, the property, the market and underwriting. Some markets receive lower leverage or are not eligible, and programs change without notice. Nothing on this page is an offer of credit, a rate quote or a commitment to lend.