We empower experienced real estate investors with quick, tailored investment property loans in California
Fix And Flip Loans are for non-owner occupied residential real estate properties that are rehabbed and flipped, or held and rented. These loans are for purchase, refinance, or fix & flip.
Are you looking to rehab and resell a home? Our short-term fix and flip loans allow you free up your capital by leveraging ours to close quickly so you can undertake renovations promptly.
Property types: non-owner occupied single-family residence, 2 to 4 units, townhomes, planned unit developments, or condominiums.
Underwriting is based on experience, credit, background, and capital liquidity. Our loans are serviced and underwritten in-house so you can expect 7-10 business days funding turnaround time. Once you have applied and been pre-qualified you will need to provide specific documentation.
Are you looking to close fast on your next real estate venture in California, specifically in Los Angeles? You’re in the right place. We’re one of the most active private money lenders around, specializing in fix and flip loans in Los Angeles and catering to fix and flip lenders in California. We lend in nearly all states, but our expertise lies in the local market.
Our superior and transparent service, quick closings, and aggressive rates will help your fix and flip business thrive in Los Angeles. Our short-term bridge loans, specifically designed for fix and flip projects in California, provide the financing you need with minimum hassle. Whether you’re starting a new construction project or looking for long-term rental property loans, we have tailored solutions to meet your investment needs.
At Invest Prop Loans, we prioritize simplicity, honesty, and reliability in lending. We understand that time is of the essence for real estate investors, so we won’t make you jump through hoops to access your funds. If your fix and flip investment makes sense, we will make it work. In case it doesn’t, we’ll provide clear explanations of what needs to happen for the project to qualify. Being a direct lender, we handle everything in-house, ensuring a transparent and fast loan process.
Our repayment structure is straightforward as well. We extend the loan, and you pay us back with interest-only payments based on the actual amount borrowed. Our focus is on the asset itself as collateral for repayment. It’s as simple as that.
So, if you’re ready to take advantage of our fix and flip loans in Los Angeles and work with trusted fix and flip lenders in California, let’s get started today! Your real estate ventures await.
We are seasoned professionals dedicated to providing the best services.
Put our outstanding track record and reputation to work for you!
We are here for you and will work closely together with you to successfully close your loan!
Ground Up Construction Loans in California are available for experienced investors seeking a hassle-free draw process to ensure smooth progress toward project completion. Our construction loan lenders specialize in providing funds for new construction costs, spec homes, and expansions to existing properties, offering flexible financing options for your construction projects.
Property types: Non-owner occupied single-family residence, 2 to 4 units, townhomes, planned unit developments, or condominiums. All properties must be non-owner occupied.
Underwriting is based on experience, credit, background, and capital liquidity.
Our Ground Up Construction Loans are serviced and underwritten in-house so you can expect 7-10 business days funding turnaround time. Once you have applied and been pre-qualified you will need to provide specific documentation.
Looking to invest in rental properties in California? Our rental property loans in California provide the financial support you need to make your real estate dreams a reality. Whether you're a seasoned investor or just starting out, our flexible loan options cater to your specific requirements.
We make it easy to invest in rental properties. Our flexible long-term rental financing options is designed to help investors obtain property appreciation and rental income. Avoid the hassle of bank-hopping and having to deal with low total exposure limits and large required down payments. Whether you are adding your first rental property or accumulating multiple rentals into a portfolio, we can help guide you through which strategy works best for your goals. We make it easy to invest in rental properties. These rental property loans are for purchase, refinance or cash-out.
Property types: Non-owner occupied single-family residence, 2 to 4 units, townhomes, planned unit developments, or condominiums. All properties must be non-owner occupied.
Underwriting is based on experience, credit, background, capital liquidity and Debt Service Coverage Ratio (DSCR).
Our Rental Property Loans are serviced and underwritten in-house so you can expect 7-10 business days funding turnaround time. Once you have applied and been pre-qualified you will need to provide specific documentation.
Do you want to purchase or refinance an investment rental property? We can provide long-term financing for stabilized rental properties to generate cash flow. Purchase, rate and term, and cash-out refinance options available. Single asset or portfolio aggregation enables investors like you to build a steady stream of income through rental property investment. We deliver speed, leverage, and consistency to both highly experienced and new real estate investors.
Our bridge loan program is for experienced investors who need a bridge loan to close quickly on a property. If you’re looking for quick and hassle-free access to capital to purchase, refinance, renovate, bridge, or cash-out properties, talk to us about whether a bridge loan may be right for you. Our loans can help you when your project takes longer than expected.
If you’re looking for liquidity to purchase another project, finish an existing project, or leverage equity in stabilized properties, talk to us about a cash-out refinance.
Property types: Multi-Family, Mixed-Use, Retail, Office, Light Industrial / Warehouse
Underwriting is based on experience, credit, background, and capital liquidity. Our loans are serviced and underwritten in-house so you can expect 7-10 business days funding turnaround time. Once you have applied and been pre-qualified you will need to provide specific documentation.
If you’re looking to fund a short-term loan on an investment property, our bridge loan program provides you with maximum flexibility. We can provide you short-term financing to “bridge” the gap between now and when you may be looking to qualify for more conventional financing, or for when you’re looking to sell the property. And, as an added plus, it gives you the time and the opportunity to increase your FICO or improve your DTI.
Do you need a short-term loan so you can fix and flip a house? Our fix and flip loans allow you to purchase a property under market value, rehab it, and then re-sell it as quickly as possible. Typically, a 12-18 month term with no prepayment premium, it enables investors like you to maximize returns on quick flips. We can finance both acquisition and renovation costs. More real estate investment experience will give you more leverage; it will increase your loan to value or loan to cost ratio. Which gives you more money. That’s it. Simply bring your down payment to closing, use your funds to complete the first state of renovation, and as the project progesses we’ll reimburse you for the work completed. It’s that easy.
Investment property loans provide financing for non-owner occupied residential 1-4 investment properties, multi-family (apartment) buildings, mixed-use buildings, and commercial buildings used for “business” purposes.
Rehab, Bridge, Ground-Up and DSCR (rental) loans.
Yes. You need to
Your loan to cost ratio increases with experience. Good experience, FICO score and cash liquidity will help your borrowing rates.
For instance, in a fix and flip loan, if the purchase price of the land is $1mn, and the cost of construction is $500k, the lender may first advance 85% of $1.5=$1.275 mn less a holdback of $500k, or $775k. The holdback will be released as construction is completed.
The loan must be used for a business purpose.
A 12-18 month loan made to an investor for the purpose of purchasing and renovating a property.
A rental loan is made to a property owner where the owner uses rental income from the property to repay the loan.
Single family residence, townhomes, condos, and 2-4 units (and mixed-use, retail, office, light industrial warehouse for commercial bridge loans)
Purchase, refinance or refi-cash out.
A minimum FICO credit score of at least 680 is required.
The minimum loan amount is $150,000.
