Residential Single-Family Homes in Los Angeles, CA

Our fix-and-flip loans for single-family homes provide acquisition funding plus renovation capital to transform distressed properties into market-ready homes. Los Angeles investors consistently find opportunities in neighborhoods undergoing revitalization, from the Eastside to the San Fernando Valley. We structure these loans with interest reserves that cover payments during the renovation period, allowing you to focus your capital on improvements rather than carrying costs. Loan terms range from 6-18 months with competitive rates for experienced investors. Our draw process is straightforward, funds are released quickly after inspection verifies completed work, ensuring your project stays on schedule. Whether you're updating a 1950s ranch in the Valley or modernizing a craftsman in Eagle Rock, our renovation financing adapts to projects ranging from cosmetic updates to full gut renovations.

Long-term rental property financing for single-family homes enables investors to build passive income portfolios throughout Los Angeles. We offer both acquisition loans for new rentals and refinancing options for existing properties, including cash-out refinancing to fund additional investments. Our rental property loans can be structured with 30-year amortization schedules to maximize cash flow, or shorter terms for investors with specific exit timelines. Unlike traditional lenders who may limit the number of financed properties or require extensive personal income documentation, we focus on the property's income potential and your track record as an investor. This approach allows self-employed investors, full-time real estate professionals, and those with multiple properties to access financing without the documentation headaches of conventional mortgages.

Single-family bridge loans provide short-term financing solutions when timing is critical. Common scenarios include acquiring a new investment property before selling an existing asset, purchasing a property that doesn't qualify for conventional financing due to condition or occupancy status, or securing time-sensitive foreclosure auction purchases. Our bridge loans feature interest-only payments, no prepayment penalties, and terms from 3-12 months, giving you the flexibility to execute your strategy without long-term commitment. Bridge financing is particularly valuable in Los Angeles's fast-moving market, where sellers often prefer buyers who can close quickly. By presenting a hard money pre-approval, you position yourself as a serious cash-equivalent buyer, often enabling you to negotiate better purchase prices even when competing against multiple offers.

Unlock equity from existing single-family rental properties or personal residences to fund new investments. Our cash-out refinance programs allow Los Angeles property owners to access capital tied up in appreciated real estate without selling. This strategy has become increasingly popular as LA property values have risen significantly over the past decade. Whether you need $100,000 to acquire a new rental or $500,000 for a major portfolio expansion, we can structure a cash-out loan that meets your capital needs while maintaining positive cash flow on the refinanced property. Unlike traditional cash-out refinances that may take 45-60 days and require extensive income verification, our streamlined process can put funds in your account within two weeks.

We finance all types of single-family residential properties throughout Los Angeles County, including detached homes, townhouses, row homes, and condominiums. This covers properties in all neighborhoods from Downtown LA to the beach communities, San Fernando Valley to the San Gabriel Valley. We lend on properties at various price points and conditions, from turnkey rentals to major renovation projects. Our programs accommodate both investment properties and owner-occupied scenarios requiring fast or flexible financing.

Most single-family purchase loans close within 7-10 days from application, assuming clear title and prompt document submission. For time-sensitive situations, we can occasionally close faster. The key to a quick closing is having your documentation ready, including purchase agreement, property photos, scope of work (for renovations), and entity formation documents. We coordinate directly with your escrow company to ensure a smooth closing process that meets your contractual deadlines.

We typically offer up to 75% loan-to-value on single-family home purchases, depending on the property location, condition, and your investment experience. For highly desirable neighborhoods and experienced investors with strong track records, we may offer enhanced terms. For properties requiring renovation, we can structure loans up to 80-85% of total project cost (purchase plus renovation budget), provided the completed value supports this leverage level.

Yes, we offer both short-term and longer-term financing for single-family rental properties. While many of our clients use hard money as bridge financing before refinancing with conventional lenders, we also provide 5-30 year term loans for investors who prefer to maintain hard money financing. These longer-term rental loans are particularly valuable for investors who have maxed out conventional financing availability, own properties in LLCs, or prefer the streamlined documentation requirements of hard money lending.

Absolutely. Financing renovation projects is one of our core specialties. We regularly fund properties that conventional lenders won't touch due to condition issues, incomplete construction, or lack of occupancy. Our renovation loans include both acquisition funding and construction draws for improvements. We classify projects as light rehab (cosmetic updates), medium rehab (kitchen/bath updates, flooring), or heavy rehab (structural work, additions, complete gut renovations), with loan structures tailored to each project type.