Hard Money Loans for California Real Estate Investors
Fast hard money loans California with competitive rates starting around 9.99%. Aditya Choksi specializes in DRE/CFL licensed asset-based bridge financing for California investors seeking time-sensitive real estate opportunities.
2025 Market Leader
Competitive California rates with DRE/CFL licensed lending. AI-powered approvals for same-day decisions on time-sensitive deals.
Hard Money Calculator
Why Choose Hard Money Loans
Hard money loans provide speed and flexibility that traditional financing can't match for time-sensitive real estate investment opportunities.
Lightning Fast Approval
Get approved in 24-48 hours and fund in 5-10 days - perfect for time-sensitive deals
Asset-Based Approval
Qualify based on property value and deal potential, not personal income or credit scores
High Loan-to-Value
Up to 80% LTV on purchase, 70% on refinance for maximum leverage on deals
Flexible Terms
6-24 month terms with interest-only payments and flexible exit strategies
Competitive Rates
Market-competitive rates for short-term bridge financing and investment deals
All Property Types
Single-family, multi-family, commercial, land, and unique investment properties
Perfect for These Investment Strategies
Hard money loans serve real estate investors who need speed, flexibility, and asset-based approval for their investment strategies.
Fix & Flip Investors
Investors buying distressed properties for renovation and quick resale
Buy & Hold Investors
Investors acquiring rental properties before long-term financing
Commercial Investors
Investors purchasing commercial real estate with time-sensitive opportunities
Bridge Financing Needs
Property owners needing short-term financing while arranging permanent loans
Auction Buyers
Investors competing at auctions requiring fast cash-equivalent financing
Foreclosure Buyers
Investors purchasing REO and foreclosure properties with tight timelines
Hard Money Loan Programs
Specialized hard money programs designed for different real estate investment strategies and timelines.
Fix & Flip Hard Money
Short-term acquisition and renovation financing for flippers with potential profit opportunities in active markets
Get QuoteBridge/Rental Property
Bridge financing for buy-and-hold investors before permanent financing (BRRRR strategy)
Get QuoteCommercial Hard Money
Asset-based commercial real estate bridge financing with AI-powered approvals
Get QuoteLand Development
Development and construction financing for California land projects
Get QuoteCash-Out Refinance
Equity extraction for additional investments with California's active real estate market
Get QuoteEco-Friendly Renovation
Green upgrade financing for solar, smart home, and energy-efficient improvements
Get QuoteHard Money Loan Terms & Features
Competitive terms and flexible features designed for real estate investment success.
Loan Amount
No upper limit on deal size
Loan-to-Value
Based on as-is or after-repair value
Interest Rates
Competitive California rates based on market conditions
Term Length
Flexible terms based on project timeline
Points/Fees
Origination fees for processing and underwriting
Prepayment
Exit early without prepayment penalties
Important Terms Information
Hard money loan terms are based on deal strength, borrower experience, property type, and market conditions. Interest-only payments during the loan term help maximize cash flow for your investment strategy. All loans secured by real property with appropriate title insurance.
Active California Hard Money Markets
High-activity markets where hard money loans are helping investors capitalize on opportunities.
Los Angeles County
Very High ActivityOrange County
High ActivityRiverside County
Very High ActivitySan Bernardino County
High ActivityHard Money Loan Requirements
Hard money loans focus on the deal and property value rather than traditional borrower qualification criteria.
Investor Pro Tip
Having a clear exit strategy and realistic project timeline significantly improves approval odds and can result in better loan terms and rates.
Get Your Hard Money Quote
Fast approval for time-sensitive deals
Hard Money Loan Process
Our streamlined hard money process gets you from application to funding in 5-10 days.
Application
Submit deal details, property information, and exit strategy
Approval
Asset-based approval within 24-48 hours based on deal strength
Processing
Appraisal, title work, and loan documentation preparation
Funding
Close and fund your deal within 5-10 days of approval
Information on this page is for educational purposes only and is not an offer of credit. Hard money loans are private commercial loans secured by real estate. Actual loan approval, terms, interest rates, and fees depend on your property, investment experience, credit profile, and overall project risk. Programs, rates, and guidelines are subject to change without notice. For personalized advice and current rates, consult with a licensed California mortgage professional specializing in investment property financing.
Hard Money Loan Frequently Asked Questions
Complete Investment Financing Solutions
Explore our full range of real estate investment financing options designed for different strategies and timelines.
Fix & Flip Loans
ARV-based renovation financing with acquisition and rehab costs combined for property flipping projects.
DSCR Loans
Investment property loans qualified on rental income without personal income verification.
Land Loans
Vacant land financing for development sites, recreational property, and future construction projects.
Don't Let Slow Financing Kill Your Deal
Get asset-based approval in 24-48 hours and funding in 5-10 days. Join the investors using hard money loans to secure time-sensitive California deals.
Related Content
Hard Money Loans for Fix-and-Flip Projects
Learn how hard money financing accelerates your fix-and-flip timeline.
Current Hard Money Loan Rates
Understanding hard money rates and factors that affect your costs.
DSCR Loans
Alternative financing for investment property with minimal documentation.
Licensing & Regulatory Information
Company: 21st Century Lending, Inc. | NMLS Company ID: 241835
Licensed Loan Originator: Aditya Choksi | NMLS ID: 2055084 | DRE License: 02154132
Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Also licensed in Arizona, Colorado, Georgia, New Mexico, and Washington.
This is not a commitment to lend. Loan approval subject to credit approval and property appraisal. All loans subject to underwriting approval. Rates, terms, and programs subject to change without notice. Not all applicants will qualify. Not all products and services are available in all states.