Our residential hard money loan programs are designed for homeowners and investors who need fast, flexible financing secured by residential real estate. We lend on single-family homes, condos, duplexes, triplexes, and 4-unit properties across all 58 California counties.
Residential Hard Money Programs
Lending Capital provides hard money loans secured by 1–4 unit residential properties in California. Our programs are asset-based, meaning approval depends primarily on the equity in the property rather than the borrower's credit or income.
We fund purchase transactions, cash-out refinances, rate-and-term refinances, fix-and-flip projects, and foreclosure bailout situations. Loan amounts range from $50,000 to $2,000,000 in the first lien position.
Owner-occupied loans are available on a business-purpose basis. Self-employed borrowers, recent bankruptcies, and low FICO scores are all considered. Terms range from 6 to 36 months with interest-only payment options.
Why Choose Us
Loan Amounts $50K–$2M
First lien positions up to $2 million. Second position loans available up to $1 million.
Up to 60% LTV
We lend up to 60% of the property's current market value based on appraisal or BPO.
6–36 Month Terms
Short-term bridge loans with interest-only payments. Extensions available.
All Property Conditions
We lend on properties in any condition — distressed, vacant, rented, or owner-occupied.
No Prepayment Penalty
Pay off your loan early without penalty on most programs.
Fast Closings
Average 7-day closing. Rush closings available in urgent situations.
Who Qualifies for a Residential Hard Money Loan?
Our residential programs are available to investors purchasing distressed properties, homeowners facing foreclosure or Notice of Default, borrowers rejected by banks due to low credit scores, self-employed individuals without conventional income documentation, and real estate investors needing fast closings to secure a deal.
Required documents are minimal: a recent mortgage statement, two forms of ID, proof of insurance, and property photos or an appraisal. We keep the process simple so you can close on time.
Call (800) 648-0690 or apply online to get your pre-approval today.
Close Your Residential Loan in as Little as 7 Days
California's direct hard money lender — equity-based private money loan approvals, no bank red tape.