• 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 818-933-5920 to speak directly with a decision maker. Or, please complete the form if you would like us to contact you.

Hard Money Lenders San Francisco Bay Area, CA

The San Francisco Bay Area is as dense as it is diverse, with a seemingly endless skyline of residential and commercial property.  Weather you are eyeing a fix and flip in the East Bay or a value-add apartment in Oakland, a hard money loan may be the right solution for your short-term financing needs.  

With growing demand continuously outpacing the limited supply, particularly for residential housing.  When you speak with real estate agents and sellers, does the conversation tend to fade when it’s time to discuss purchase funds?

If so, you need to speak with SDC Capital, a reliable financial partner for any real estate investor in the San Francisco area. With a proven track record and a history of success, we understand the unique needs of real estate investors can customize loan terms to fit your specific scenario.

What’s The Difference Between Private Money Lenders And Traditional Banks In San Francisco?

Private money lending is an alternative to obtaining financing from a non-traditional lender other than a bank or institutional lender. San Francisco hard money lenders get their money from private investors who have money to invest and are also unhappy with investing through traditional institutions. Banks in San Francisco and real estate investors are rarely a match made in heaven, because conventional lenders cannot move quick enough for the typical real estate investor seeking to close faster with fewer contingencies than competing offers.

Speed of funding and flexible underwriting guidelines is why we are so bullish on hard money loans in San Francisco. Hard money lenders can close in as few as 7 days, while our banking counterparts can often take 30-60 days to complete. Moreover, qualifying for a bank loan depends heavily on the borrower’s credit score and personal income, unlike hard money borrowers, who qualify mostly based on the equity the real estate backing a hard money loan in San Francisco.

Are Hard Money Loans Good For Residential Properties In San Francisco?

Residential real estate deals move fast, so for that reason, intelligent real estate investors know they need access to capital that moves fast, as well. 80% of homes in San Francisco sold at above the asking price in 2021. And how many of those do you think were all-cash offers? We don’t have the exact numbers, but what we do know is that coming to the table with an all-cash or similar offer is the #1 way to “cut the line” in the real estate world. 

If you’ve run the numbers on a property and know it’s a solid investment, then the only question is, “where can I get the funds and how soon?”

There never seems to be “enough to go around for everybody” in the San Francisco real estate game, even if you broaden your search to duplexes and apartment complexes. It may even feel like there’s a “secret” group of investors who aren’t necessarily cash-rich but always have the cash when they need it.

It’s not a secret. It’s private money lending, which has the power to give you access to large amounts of capital in as little as seven days with a lender like SDC Capital. Our loan process is straightforward, fast, and customized to your specific borrowing goals.

Are Hard Money Loans Good For Commercial Property In San Francisco?

All real estate investors have in common a weariness of the length and tedious documentation process that banks require to finance a commercial property. In San Francisco, banks can take up to 45 days to fund a residential loan, 60-90 days to finance a commercial loan, and up to 120 days to fund a development loan.

At SDC Capital, we ask much simpler (and fewer questions), mainly being, “is there up to 65% LTV and proof that payments can be made. Whether or not you have a tenant for the property or if it's in turnkey condition doesn’t matter to us because we get it. You’re a real estate investor!

Hard Money Loans Good For Fix & Flip Property in San Francisco?

Like most rehabbers, you have a passion for restoring old properties. Unfortunately, this process takes a lot of money upfront that most individuals don’t have. There’s a lot of money to be made in flipping homes, especially when you have access to a private money lender who doesn’t turn a blind eye to funding the purchase of distressed properties, doesn’t take weeks to provide funding, and is experienced in working with real estate investors.

Fix and flip hard money loans are among the most common loans originated by private money lenders. These loans are ideal for San Francisco hard money lenders because flips are usually completed within six months and in as little as two. If you have difficulty finding affordable investment properties in San Francisco, rehabbing fixer-uppers with hard money loans can be the one-two punch you need to accelerate your real estate portfolio.

Cash-Out Refinance Loans With A San Francisco Hard Money Lender, How?

Cash-out refinances loans allow real estate investors to refinance their existing mortgage and borrow cash against it simultaneously. The result is a higher balance owed on the new mortgage, including the closing costs and the money you receive. Real estate investors use this strategy to pull equity out of their properties and sometimes secure a better mortgage rate. Using a cash-out refinance loan allows you to receive funds for your San Francisco real estate project quickly. These funds can be used for various purposes, including paying off debts, purchasing another property, or covering the costs of a renovation.

Many real estate investors use the BRRRR strategy (Buy, Rehab, Rent, Refinance, Repeat) to quickly acquire multiple properties in a short amount of time. It takes the benefit of flipping and rental property investing to help real estate investors create significant net-worths and large amounts of monthly cash flow. This strategy is suitable for newer real estate investors, but we’ve also facilitated loans with seasoned investors. Speak to the team at SDC Capital to discuss your loan scenario and see if you qualify for a cash-out refinance loan.

Why should I use a hard money lender in San Francisco?

Real estate loan brokers and real estate investors in San Francisco turn to hard money lenders typically for transactions that fall outside banks' traditional lending guidelines. Hard money loans offer real estate investors an alternative to conventional loans. Their utility is exemplified the most in flix and flips and income properties with below market rents or high vacancy.

Unlike a conventional loan that must adhere to strict underwriting guidelines, hard money loans can close quicker than other types of funding.

The upside of hard money loans comes at a risk that real estate investors are willing to take because they come into the deal with a strategy in place and their numbers already crunched. If this is the case for you, we suggest you get in touch with the team at SDC Capital to discuss the numbers of your deal and see if your scenario makes sense.

What Are The Benefits Of A Hard Money Loan?

Savvy real estate investors know the many benefits of hard money lending and can use them all to their advantage in the San Francisco real estate market.

Here are a few:

• Flexible Underwriting: Hard money loans go through less stringent underwriting, meaning financing can be available in as little as 7-10 days. Less strict underwriting rules mean hard money lenders can fund deals for not move-in-ready properties.

• Faster Funding: Almost all off-market deals and auctions require investors to agree with cash in hand or proof of funds. Hard money loans allow you to secure a seat at the table with investors who are fortunate enough to have the money to win competitive deals.

• Other benefits include lower credit score investors being able to secure funding and access to more capital than banks can provide.

Who In San Francisco Typically Uses a Hard Money Loan?

• Borrowers seeking to close quickly

• Fix and flippers who buy, repair, and immediately sell properties

• Vacant or below market income property

• Cash-out refinance

• Borrowers seeking up to 100% of purchase price, looking to cross collateralize more than one property to get the desired loan amount.

SDC Capital is your preferred san francisco bay area hard money lender

At SDC Capital, our mission is to help our investor clients grow their portfolios quickly and profitably. We do this by offering customized hard money lending solutions for residential, multifamily and other commercial property types in the San Francisco Bay Area. Our team has over 35 years of real estate experience and uniquely positioned to help make your real estate dreams a reality.

SDC Capital is your go-to hard money lender in San Francisco

We have helped hundreds of real estate investors in our journey to becoming the premier hard money lender in Orange County, CA. With over 35 years of experience in the real estate business, our hard money loans in Orange County.  Your dream property is just a phone call away. Call us today at (818) 933-5920.

Recent Hard Money Loans in San Francisco Bay Area

san francisco bay area, California

According to recent real estate trends in San Francisco, property sales in 2021 are up 41% compared to pre-pandemic 2019. San Francisco is known for having some of the highest real estate prices per square foot nationwide. Over 80% of residential property in San Francisco sells above the listing price, showcasing the high market demand and the need for hard money lending options in a fiercely competitive market.