Hard Money Lender | Alameda, CA
Rates from 8.99% and 1 point
Same-day Approvals, Funding in Days
No Appraisals (most scenarios)
No tax returns or pay stubs required
No minimum DSCR
No prepayment penalty (available)
No advanced lender fees
Up to 70% Loan-to-Value
Closings in as few as 7 days
Call us now at 818-638-9982 to speak directly with a decision maker. Or, please complete the form if you would like us to contact you.
ALAMEDA, CA Hard Money Lenders
Alameda, known for its charming island setting and historic Victorian homes, offers a unique blend of small-town atmosphere and Bay Area accessibility. With its thriving housing market, proximity to Oakland and San Francisco, and strong rental demand, Alameda continues to attract both real estate investors and homeowners seeking opportunity and long-term value.
When traditional banks slow the process with strict documentation and credit-based approvals, a local hard money lender like SDC Capital delivers what borrowers need most—speed, flexibility, and certainty.
We fund loans based on real estate equity, not income verification, so you can move fast and close confidently in Alameda’s competitive market.
What’s The Difference Between Private Money Lenders And Traditional Banks In ALAMEDA?
Traditional banks typically require:
Full documentation (tax returns, W-2s, bank statements)
Strong credit scores and low debt-to-income ratios
Lengthy underwriting and appraisal processes
Strict lending criteria that overlook unique ownership structures
In Alameda—where desirable homes and investment properties can sell in days—waiting 30–60 days for bank approval often means missing the deal.
A hard money lender like SDC Capital focuses on:
Property equity and market value, not your credit score
Flexible ownership (LLCs, trusts, partnerships, estates)
Closings in as little as 7 days
No appraisal required in most cases
Creative, asset-based loan structures that banks can’t match
When time is of the essence, private money gives you the competitive edge.
Are Hard Money Loans Good For Residential Properties In ALAMEDA?
Yes. Alameda’s housing market is one of the most desirable in the East Bay, known for its mix of restored Victorians, waterfront homes, and modern infill developments. The city’s strong appreciation, limited inventory, and proximity to major job centers make it ideal for investors and homeowners alike.
We fund:
Purchases of single-family, multifamily, and luxury properties
Bridge loans for 1031 exchanges or sale-to-purchase transitions
Estate, trust, or LLC-held real estate
Fix & flip and value-add renovation projects
With median home prices hovering around $1 million and inventory remaining tight, speed and certainty are crucial—two areas where SDC Capital excels.
Are Hard Money Loans Good For Commercial Properties In ALAMEDA?
Absolutely. Alameda’s revitalization and mixed-use development projects, such as Alameda Point and Park Street’s retail corridor, create excellent opportunities for commercial investors.
We fund:
Office and medical buildings
Retail storefronts and commercial condos
Mixed-use developments and redevelopment projects
Transitional or underperforming commercial properties
When banks hesitate due to property condition, tenant mix, or unconventional ownership, SDC Capital provides custom, equity-based solutions that help investors move forward quickly.
are Hard Money Loans Good For Fix & Flip Property in ALAMEDA?
Yes. With its blend of older homes, high resale values, and limited supply, Alameda is a prime fix & flip market. Many properties benefit from modernization, cosmetic updates, or ADU additions—all of which can yield strong returns with the right financing.
Our fix & flip loans feature:
Up to 70% of purchase price (or ARV-based options)
Rapid approvals and fast closings
Simple draw schedules for renovation funds
No appraisal required (in most cases)
Whether it’s restoring a historic Craftsman or upgrading a coastal bungalow, SDC Capital helps flippers act fast and profit efficiently.
Cash-Out Refinance Loans With aN ALAMEDA Hard Money Lender: how it works
If you own property in Alameda with significant equity, a hard money cash-out refinance allows you to quickly access capital—without the long, rigid process of traditional refinancing.
Use your equity for:
Renovations, ADU construction, or property improvements
Paying off maturing debt or balloon loans
Estate or partner buyouts
Investing in new real estate opportunities
We lend to individuals, LLCs, and trusts, offering the flexibility to support both personal and investment objectives.
The Bottom Line
At SDC Capital, we’re not just lenders—we’re your partners in California real estate. Our deep understanding of the Bay Area market and commitment to speed and transparency make us a trusted resource for Alameda investors.
Borrowers choose us for:
Funding in 7–10 days
Direct access to decision-makers
Competitive rates and clear terms
Flexible loan structures for unconventional scenarios
From Alameda to Oakland, Berkeley, and San Leandro, we provide reliable hard money financing when banks can’t keep up.
What is a Hard Money Loan In ALAMEDA?
A hard money loan is a short-term, asset-based loan secured by real estate equity—not income or credit history.
These loans are ideal for:
Real estate investors and flippers
Homeowners needing bridge financing
Business owners seeking fast capital
Borrowers with unique or time-sensitive opportunities
When banks take too long or say no, SDC Capital, your Alameda hard money lender, helps you close quickly—with confidence and clarity.
Hard Money Lenders in ALAMEDA
Looking for quick and flexible financing in California? Our hard money loan options are tailored for real estate investors who need fast access to capital. We provide reliable funding solutions across the state, ensuring you can close your deals without delays.
Explore our lending options in prominent California locations: