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Hard Money Loans in Los Angeles and the San Fernando Valley

Fix & Flip · Ground-Up Construction · Bridge Loans

Fix and flip, construction and bridge loans for investors in the San Fernando Valley and across Los Angeles County, from our office in Los Angeles. The loan closes in your LLC.

Anatoliy KanevskyAnatoliy KanevskyFounder · NMLS #2775380

Hard money terms in Los Angeles

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
Los Angeles County and the San Fernando Valley statewide in California, plus Florida and Texas
Office
150 E Olive Ave, Unit 112, Burbank

Where we lend in Los Angeles

San Fernando Valley: Burbank, North Hollywood, Studio City, Sherman Oaks, Encino, Van Nuys, Reseda, Northridge, Granada Hills, Tarzana and Woodland Hills.

Glendale, Pasadena and the foothills: Glendale, La Crescenta, La Cañada Flintridge, Pasadena and Altadena.

City of Los Angeles: Silver Lake, Echo Park, Eagle Rock, Highland Park, Mid-City, the Westside and South Los Angeles.

And the rest of Los Angeles County. Terms can vary by neighborhood; we confirm what applies to your property on the first call.

Which loan fits your deal

Hard money loans for Los Angeles deals
The dealThe loanMaximum leverage
Buy an older house, renovate it and sellFix and flip90% of purchase + 100% of rehab
Build a new home on a lot or a teardownGround-up construction75% of land + 100% of construction
Hold a finished flip while it sells or leasesBridge70% of value
Keep it as a rentalDSCR or rental portfolio80% LTV, 30 years
Buy and renovate a 5+ unit buildingMultifamily bridge75% of purchase + 100% of renovation

Permits and draws

Rehab and construction money is held back at closing and released in draws after an inspection confirms the work. Permits come from the city the property is in: LADBS for the City of Los Angeles, including most of the Valley, or the building departments of Burbank, Glendale, Pasadena and the other cities.

On a new build, the land is financed at the highest leverage once permits are approved.

What happens after you send a deal

Same person from the first call to the payoff.

  1. 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.
  2. 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.
  3. 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.
  4. Close in your LLCThe rehab or construction budget is released through draws you request online as work is completed.
Anatoliy Kanevsky, founder of West Coast Capital Mortgage

We’re in Los Angeles

Our Los Angeles office is on Olive Avenue in Burbank. If your property is in the Valley or anywhere in Los Angeles County, send me the address, the price, your budget and what it will sell for, or come by the office. I’ll tell you which loan fits and how much cash you need to bring, before you pay for an appraisal.

When the work is done, our sister brokerage West Coast Capital Realty can list it, and if you keep it, we can move you into a long-term DSCR loan.

Anatoliy Kanevsky, founder · NMLS #2775380 · CA DRE #01385024 Direct line 310-686-5053 · Burbank office

Questions about hard money in Los Angeles

Who offers hard money loans in Burbank and the San Fernando Valley?
West Coast Capital Mortgage, 150 E Olive Ave, Unit 112, Burbank. We offer fix and flip, bridge and construction loans across the Valley and the rest of Los Angeles County.
Do you lend in the City of Los Angeles, Glendale and Pasadena?
Yes, across Los Angeles County. Terms can vary by neighborhood, and we confirm them on the first call.
How much can I borrow on a Los Angeles flip?
Up to 90% of the price plus 100% of the rehab, within 70–75% of the after-repair value, from $50,000 to $3 million.
Can I get a loan for my first flip?
Yes. First-time investors can get up to 90% of the price plus 100% of a light or moderate rehab, depending on credit.
Can I build a new home on a lot or a teardown?
Yes, with a ground-up construction loan: up to 75% of the land with approved permits plus 100% of the construction budget, for builders with completed projects.
My flip is finished. Can I get a bridge loan while it sells?
Yes. A bridge loan covers up to 70% of value on a finished home that is listed for sale or leasing up.
Can I meet you in person?
Yes. The office is at 150 E Olive Ave, Unit 112, Burbank, CA 91502. Call 310-654-1577 to set a time.
Will checking my terms affect my credit score?
No. It is a soft pull that does not affect your score.
Do I need an LLC or corporation?
Yes, the loan closes in your LLC or corporation. No entity yet? Set one up before closing.
How fast can you close?
As fast as the appraisal and title allow. We order both right after the pre-screen.

More for Los Angeles

DSCR loans in Los Angeles

Hard money loans across California

Not quite this deal?

Have a deal in Los Angeles?

Send the address, price and budget. You’ll hear which loan fits and how much leverage to expect before you pay for an appraisal.

Anatoliy KanevskyAnatoliy Kanevsky reviews investor deals himself. Direct line 310-686-5053

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.