What are you trying to do?
Pick the one that fits. Either way, the first step is a short call.
Fix and flip
Buy it, renovate it, sell it. Purchase and rehab money that moves at the speed of the deal.
See the hard money loanClose before your bank can
A time-sensitive purchase while long-term financing catches up. A bridge to the refinance or sale.
See the bridge loanTwo loans. Clear terms, in writing before you sign.
Hard money loan
Short-term, asset-based financing for fix-and-flip projects, distressed purchases and fast closes.
Bridge loan
Transitional financing from a near-term purchase to a longer-term refinance or a sale.
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.
From your deal to funded in four steps
Send the deal
Address, price, rehab budget and your exit. About five minutes.
Term sheet
Real terms for your real deal in 24 to 48 hours.
We underwrite in-house
We underwrite on value, equity and exit, not W-2s or personal income ratios.
Fund and close
Close through escrow in 7 to 10 days.
Fund it. Manage it. Grow it.
Direct Lending
Short-term investor loans from a lender who knows the market.
Property Management
We lease and run the property during and after your loan.
Explore Property Management
Before You Borrow
What to have ready, what to ask any lender, how a rehab draw schedule works, and the mistakes that cost investors money. Add your email and we send it now.
You talk to the owner, not a loan desk
Gary Burmaster has operated in Sacramento real estate for more than 20 years. He reviews every loan request himself, so you get a straight answer on your deal and no surprises at the closing table.
Questions investors ask
Do you check my income or tax returns?
We lend on the property's as-is value, your equity and a confirmed exit, with minimal income paperwork.
Where do you lend?
The Sacramento area plus El Dorado, Placer, Sutter, Yolo, Solano and San Joaquin counties.
Do you lend on a home I live in?
No. These are business-purpose loans for investment property only.
Can the terms change at closing?
Your term sheet reflects your actual deal. If the deal itself changes, we tell you before you sign, never at the table.
Sacramento loan guides
Sacramento hard money loans · Sacramento fix-and-flip loans · Sacramento bridge loans
Apply for a loan
About five minutes. Send the deal and we come back with a term sheet in 24 to 48 hours.
Have a deal? Talk it through with Gary.
Thirty minutes on the address, the price and your exit. You will know whether it fits.
Book a 30-minute deal call