SDC Capital funds $720,000 Cash-out Bridge Loan On Multi-Tenant Retail Property with No Appraisal

  •  $720,000 cash-out loan secured by a quaint multi-tenant retail property in Lafayette, CA
  • Cash-out proceeds used to complete the renovation of the property
  • 65% of "As-is" LTV
  • 8.99% interest rate
  • 12 month term

SDC Capital funded a cash-out refinance of a family-owned multi-tenant retail center in Lafayette, CA. The owners needed the funds to complete renovations of the property that were long overdue. The broker who brought us this deal initially requested a cash-out loan secured in 2nd position, but that plan changed once it was determined that subordinate financing required approval from the 1st lien lender – approval the lender was unwilling to give after nearly one month of deliberation. Now short on time and shorter on funds to pay their contractor, the borrowers approached us regarding the refinance of their 1st lien loan. To avoid any further delays by requiring the borrower to get an indemnity package approved by the title company to obtain mechanics lien coverage on the lender’s title policy, SDC Capital mitigated the loss of priority risk through our due diligence and we closed the loan quickly without an appraisal.  The broker was happy as his clients’ financing need was solved and he received a higher commission as the loan amount increased from the original request.

SDC Capital funds $1,375,000 Multi-Family Bridge Loan at 5.99% With No Appraisal

  • $1,375,000 loan secured by a 6 unit- multi-family property in San Francisco
  • 55% LTV
  • 12 month term
  • 5.99% interest rate
  • 1.25 lender points
  • No appraisal required

SDC Capital funded a cash-out loan on a 6-unit multi-family property in San Francisco.  The borrower came to us requesting a quick close with conventional terms to complete the renovation of his daughter’s commercial property. It was a lot to ask but given the low LTV of 55%, which we determined without an appraisal, we were able to arrive at our lowest interest rate to date. SDC Capital provided the borrower with the best of both worlds: a quick closing and very attractive terms. We completed our due diligence and delivered loan documents to escrow within 10 days of receiving a signed term sheet. Unlike most bridge lenders, SDC Capital has the experience and ability to not only fund a broad range of deals from commercial bridge loans to residential construction loans, we also have the capital base that allows us to price deals appropriately based on the risk of the deal.

SDC Capital Funds $300,000 2nd Trust Deed Residential Loan

  • $300,000 2nd lien loan secured by a triplex near Century City
  • 12 month term
  • 9.0% interest rate
  • SDC Capital committed to this loan within 3 days of receiving the loan request and did not require an appraisal.

SDC Capital funded a cash-out 2nd lien loan on a triplex near Century City for a repeat borrower.  Our borrower attempted to obtain a conventional loan secured in 2nd position by his triplex but at the last minute, the bank denied him.   He came to us needing a quick closing due to the last minute denial and we were able to accommodate him by committing to the loan within 3 days without requiring an appraisal.  We work hard to provide great service to our borrowers as our goal is for all borrowers to become repeat borrowers.   

SDC Capital funds $2.5 MM Residential Construction Completion Loan

  • $2,500,000 construction completion loan, 60% loan to completed value
  • 9 month term
  • 9.5% interest rate
  • Title company provided lender with mechanics lien coverage due to lender’s construction experience

SDC Capital funded a cash-out, construction completion loan on a high-end single family residence in Aptos, CA. The borrower’s existing construction loan came due and the borrower needed additional funds to complete the project.  Given SDC Capital’s extensive construction experience and thorough due diligence, SDC was able to get the title company to issue a lender’s title policy with mechanic’s lien coverage.Without this coverage and SDC’s persistence, this deal would not have closed.

SDC Capital Funds 8% Cash-Out Loan On CA Industrial Property

  • $1,336,500 cash-out refinance at 55% LTV
  • 24 month term
  • 8% interest rate for 1st year, 8.5% rate for 2nd year

SDC Capital funded a cash out loan on a single-tenant industrial building with warehouse and office space in need of updates in Orange County. The borrower, a long-time owner-user of the property, needed funds to improve a showroom space and make other updates. The loan included roughly $400,000 cash out to borrower to complete the work.

100%+ Purchase Financing Using Cross-Collateral for Riverside Fix & Flip

SDC Capital has funded a $495,000 loan (8.99% + 1 point) for the purchase and renovation of a single family residence in Riverside, CA.  Unlike most lenders, we allow for cross-collateralization and provided our borrower with 100% purchase financing, plus an additional $35,000 to cover closing costs and provide cash-out proceeds to help fund the property's renovation.   Additional collateral for the loan was comprised of junior liens on other investment property.

Introducing Our Owner-Occupied Consumer Bridge Loan Program

Need to close on your dream home quickly? 

We can help!

In today’s real estate market, you have to move quickly or the deal will pass you by. Our new Owner-Occupied Consumer Bridge Loan Program allows you to be competitive and get the house of your dreams. With our new owner-occupied loan program you can purchase your new home before selling your existing home without having to meet stringent debt to income ratios of a conventional lender. 

Loan Amount

From $100,000 up to $5,000,000 (higher with exception)

Loan to Value

75% of Value

Property Type

1-4 Unit Residential


Owner Occupied


11 months

Interest Rate

Starting at 8.99%


40-year Amortization


Starting at 1.5 points


No Prepayment Penalty


No Minimum FICO Score

Lien Position

1st and 2nd Position


California Only

Closing Time

7 to 14 days (Subject to Regulatory "Cooling Off" Periods)

Repeat Borrower Achieves High Leverage, Attractive Terms by Tapping Home Equity

We strive to create mutually beneficial relationships with our borrowers and this deal was a perfect example of the benefits of such relationships. Last month, one of our repeat borrowers came to us to finance the purchase of a single family residence in Brea, CA which required a fast closing and nearly 100% leverage. On the surface, that looks like an easy pass, but in knowing this borrower well it was actually quite the opposite. In a previous deal, we had cross-collateralized his primary residence to achieve our desired LTV. The borrower hoped he could again tap the equity in his home as his liquidity was tied up in other deals. With an accepted offer on a property he couldn’t pass up, we were the first call he made and the only one he needed.  SDC Capital Funding was able to provide a $570,000 loan (90% LTV) with a 12-month term and an 8.99% interest rate.

Lightning Execution to 78% Leverage

A borrower brought us a plan to revitalize an iconic mid-century modern home in Brentwood. The plan involved luxury home building, hillside construction and slope stabilization – not our favorite combination of factors. Based on the condition of the property and challenges of the site, the borrower was able to obtain a substantial price reduction conditioned upon a closing within 4 business days. He presented us with a compelling case to do a deal we might otherwise pass on. But there’s a first for everything and this particular property and repeat borrower won us over. We were able to provide a loan of $1.77 Million (78% of cost) for a 6-month term. And we closed only a few days after the buyer and seller agreed on the final price.

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