Sacramento Hard Money & Bridge Loans Closed in 7 to 10 Days

Hard Money Loans

Short-term, asset-based financing for fix-and-flip projects, distressed acquisitions, and time-sensitive closes. 6, 12, or 18 month terms. 70% max LTV of as-is value, 85% max LTC. Loan range $100K to $1M.

Bridge Loans

Transitional financing that bridges near-term acquisitions to longer-term refinance or sale. 3 to 12 month terms (6 month standard). 65% max LTV. Loan range $150K to $800K. Used by investors who need to move before conventional financing arrives.

Asset-Based Underwriting

Loan decisions based on the property's as-is value at acquisition and the borrower's equity position — not W-2s or personal income ratios. Minimal income documentation required. Confirmed exit strategy is the gate, not your tax return.

Sacramento Market Depth

Underwriting reflects current Sacramento submarket conditions — not national averages applied to a local zip code. We lend in Sacramento MSA plus El Dorado, Placer, Sutter, Yolo, Solano, and San Joaquin counties.

Integrated PM Network

AIRG's property management division can manage and stabilize the asset during your loan term. Direct operational advantage on fix-and-hold and buy-and-stabilize deals — one team across acquisition, hold, and exit.

Long-Term Refinance Referrals

When your strategy calls for long-term financing after stabilization, AIRG connects qualified borrowers to vetted Sacramento-market DSCR and conventional lenders. Referral introductions only — these are not AIRG products.

DRE-Licensed Direct Lender

AIRG is licensed by the California Department of Real Estate (DRE #02005619) and funds loans directly. No correspondent layer, no broker layer between your deal and the funding decision. NMLS exempt under California B&P §10131(d) — corporate trust lending.

7 to 10 Day Close Timeline

Qualified transactions close in 7 to 10 business days. Term sheet within 24 to 48 hours of qualification. No bait-and-switch at close — terms reflect actual deal parameters.

Sacramento Submarket Expertise

20+ years operating in the Sacramento residential market. Our underwriting reflects neighborhood-level rent dynamics, vacancy patterns, and exit comparables — not national lender heuristics.

Operationally Integrated

Acquire with AIRG hard money. Stabilize and renovate under AIRG property management if needed. Refinance through an AIRG referral partner once the property performs. One operator across the full deal lifecycle.

First Position Deed of Trust

Every loan secured by a recorded first deed of trust on California real property. Lender position is the protection — not borrower promises.

In-House Underwriting

AIRG underwrites every loan in-house. No third-party approval chain, no outside lender vetoing your deal three days before close.

Title Insurance Required

ALTA lender's title insurance required on every closing. Borrower pays at closing. Protects against title defects, liens, and recording errors.

Pre-Funding Disclosures

Every borrower receives a pre-funding disclosure package: term sheet, fee summary, prepayment terms, default terms, exit-strategy confirmation. No surprises.

Term Sheet Before Close

Term sheet issued within 24 to 48 hours of qualification. Borrower reviews and confirms before any underwriting fee is collected. Walk away clean if terms do not fit.

DRE-Licensed Brokerage

All Inclusive Realty Group, Inc. is a California corporation licensed by the Department of Real Estate (DRE #02005619). NMLS exempt per California B&P §10131(d). Full fiduciary accountability.

“Closed our Curtis Park duplex in 8 days. AIRG had the term sheet to me 24 hours after I sent the address. No outside lender chain, no last-minute repricing. Walked into close knowing exactly what we'd signed.”

— Mark C.
Hard Money Borrower

“Bridge loan got me into a Natomas property before my conventional refinance closed on the previous one. AIRG underwrote the gap, their PM team stabilized the unit, and we refinanced clean six months later through their referral lender.”

— Janelle R.
Bridge Loan Borrower

“Asset-and-equity-based underwriting is the difference. I'm self-employed, my tax returns don't tell the story, and AIRG didn't ask. They looked at the property, the equity, and the exit. That's how it should work.”

— Devon P.
Hard Money Borrower

We lend on residential investment properties (1–4 unit), small commercial (10 units or fewer), and light-industrial across:

• › Sacramento County — Sacramento, Elk Grove, Citrus Heights, Folsom, Rancho Cordova, Carmichael, Natomas
• › El Dorado County — Cameron Park, El Dorado Hills, Placerville
• › Placer County — Roseville, Rocklin, Lincoln, Auburn
• › Sutter, Yolo, Solano, San Joaquin — Yuba City, Davis, West Sacramento, Vacaville, Fairfield, Stockton