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Fix and flip · Sacramento

Sacramento fix and flip loans: how much can you borrow?

Our Sacramento fix and flip loans run $100K to $1M, up to 70% of as-is value and up to 85% of cost, for 6, 12 or 18 months. You get a term sheet in 24 to 48 hours and close in 7 to 10 days, secured by a first deed of trust.
Every loan request is reviewed by Gary Burmaster, the owner.
Term sheet in 24 to 48 hoursClose in 7 to 10 daysFirst deed of trustSacramento plus six counties

Who this loan is for

  • Investors who buy, renovate and sell Sacramento-area homes.
  • Buyers who need purchase and rehab money that moves at the speed of the deal.
  • Flippers who want an in-house underwrite on value, equity and exit instead of a bank file.

Fix and flip loan terms

Term
6, 12 or 18 months
Loan size
$100K to $1M
Max LTV
70% of as-is value
Max LTC
85%

Rate and points are quoted on your term sheet for your deal. Every loan is secured by a first deed of trust on California investment property.

How it works

1
Send the deal
Address, price, rehab budget and your exit. About five minutes.
2
Get a term sheet
Real terms for your real deal in 24 to 48 hours.
3
We underwrite in-house
We underwrite on value, equity and exit, not W-2s or personal income ratios.
4
Fund and close
Close through escrow in 7 to 10 days.

What we need from you

  • The property address and purchase price
  • Your rehab budget
  • Your exit: the planned sale
  • The equity you are putting in

Where we lend

The Sacramento area plus El Dorado, Placer, Sutter, Yolo, Solano and San Joaquin counties. Business-purpose loans on California investment property only. No owner-occupied homes.

Questions investors ask

How much can I borrow for a fix and flip in Sacramento?

$100K to $1M, up to 70% of as-is value and up to 85% of cost (LTC).

How long can I hold the loan?

6, 12 or 18 months.

How fast can you fund a flip purchase?

You get a term sheet in 24 to 48 hours, and you close in 7 to 10 days through escrow.

What are the rates and points?

Rate and points are quoted on your term sheet for your deal.

What do you underwrite on?

We underwrite in-house on value, equity and exit, not W-2s or personal income ratios.

Do I send the rehab budget up front?

Yes. The first step is to send the address, price, rehab budget and your exit. It takes about five minutes.

Where do you lend?

The Sacramento area plus El Dorado, Placer, Sutter, Yolo, Solano and San Joaquin counties.

Can I use it on a home I live in?

No. These are business-purpose loans for investment property only.

Have a deal? Send it today.

Submitting is not a loan commitment. Business-purpose loans on investment property only. Any loan is subject to final underwriting approval.

Related: Sacramento hard money loans · Sacramento bridge loans · All lending options
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