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We offer unconventional loans for California real estate...
Owner Occupied Bridge Loans
This easy-qualifying loan enables homeowners to use equity from existing home to buy a new home, before selling the existing. That means the homeowners only need to move once, no need for a 2nd move or for a short-term rental. It also means potentially higher sales price when homeowners can vacate, clean, and update the existing home to move-in ready conditions for today's homebuyers.
Simple Fix & Flip Loans
This easy-qualifying loan enables homeowners to use equity from existing home to buy a new home, before selling the existing. That means the homeowners only need to move once, no need for a 2nd move or for a short-term rental. It also means potentially higher sales price when homeowners can vacate, clean, and update the existing home to move-in ready conditions for today's homebuyers.
Does that house need an extreme make-over? Or perhaps you want to expand or build to today's homebuyers' taste? This loan uses the "as completed" appraisal value (also known as "after repair value", or ARV) to give you more flexibility for your initial purchase, or during construction phase. Yes, you can choose the # of draws you wish.
Granny / In-Law Unit Addition (ADU) Loan
Have you thought about adding an in-law / granny unit in your backyard so you can take care of your parents or in-laws more easily? Or perhaps lease it to supplement your monthly pension or social security income? Accessory dwelling units (ADUs) are a great solution for SF Bay Area's housing shortage. This loan takes the bureaucracy out of construction financing, so you can focus on the best design of your needs.
Non-Owner Occupied Rental Loan
This loan is designed for the active and busy real estate investors. You can buy, renovate, lease, and then re-finance for the long term hold. Easy qualifying, fast decisions, quick funding - so you can compete with eager homebuyers on price and term. We offer 3-yr, 5-yr, or 15-year terms - choose the duration that meets your needs best. No limit on # of loans you can have.
"Sleep Easy" Commercial Loan
Designed for busy business owners in the SF Bay Area, this commercial real estate loan means you don't have to fuss with the mind boggling SBA loan process, or worry about a balloon payment due in the middle of a down cycle. Make monthly principal & interest payments until you pay off the loan in full in 10, 12, or 15 years. No balloons. Business owners taken aback by the commercial lending world (or lack thereof) between 2006 and 2012 will tell you the importance of a fully amortized loan in growing and protecting your business.
Reverse 1031 Exchange Loan
Want to sell your investment property and replace it with something newer, bigger, or in a better location? Worried about not finding the best replacement property for your tax deferred 1031 Exchange within the short 45 days? With our Reverse 1031 Exchange loan, you can buy first, then sell. This gives you time and flexibility to buy a great replacement property without risking the tax deferred treatment.
Estate / Inherited Property Loan
You and your siblings inherited a nice house from Mom & Dad. It needs work but has great upside potential. Your siblings want to sell and you want to keep the house. We will work with you during the estate settlement process so you can clear title and re-finance with a conventional lender when you are ready.