Fix and Flip Loans in California
Find fix and flip loans in California. Compare rates from private lenders serving California real estate investors.
Close in 7-14 Days Asset-Based Lending Up to 75% LTV
Free, No-Obligation Quote
Compare rates from multiple private lenders
Completely Free • No Obligation
Looking for fix and flip loans in California? Bridge Hard Money Loans connects real estate investors with private lenders who specialize in fix and flip loans throughout California. Close in as little as 7-14 days.
Hard Money Lending Regulations in California
Understanding California's lending regulations is important for real estate investors seeking hard money or private financing. Here are the key regulatory factors:
Usury Rate Cap
10% for non-exempt lenders; licensed and commercial lenders exempt
DFI Licensing Required
Yes - lenders must be licensed or exempt under state law
NMLS Required for Brokers
Yes - mortgage brokers must be registered with NMLS
Foreclosure Type
non-judicial - typical timeline: 120 days
Regulatory Notes
California has a large hard money market. Licensed under CFL or DRE. DRE-licensed brokers can arrange business-purpose loans without usury cap.
Regulatory Authority: California Department of Financial Protection and Innovation (DFPI) oversees lending and mortgage activities in California.
Bridge Hard Money Loans connects you with private lenders who are compliant with California's lending regulations. We are not a lender - we are a referral service.
How It Works
1
Tell Us About Your Fix and Flip Loans Need
Share your property details and loan amount. It takes less than 2 minutes.
2
Compare Offers from California Lenders
Private lenders serving California review your deal and submit competitive rate quotes.
3
Close Your Loan
Accept the best offer and close in as little as 7-14 days. Fast funding for your investment.
Why Choose Bridge Hard Money Loans
Close in 7-14 Days
While banks take 30-60 days, our private lenders close in as little as 7-14 days.
Asset-Based Lending
Your property is the collateral. No income verification, no tax returns required for many programs.
Up to 75% LTV
Finance up to 75% of the property value. Higher leverage available for experienced investors.
All Property Types
Residential, commercial, multifamily, mixed-use, land - we connect you with lenders for every property type.
Nationwide Coverage
Our network of private lenders serves real estate investors in all 50 states.
Free, No-Obligation Quote
Compare rates from multiple private lenders. No commitment required.
Serving Your Area
Bridge Hard Money Loans serves real estate investors across California. Our network of private lenders provides competitive rates for hard money loans, DSCR loans, fix and flip financing, and more throughout the state.
Fix and Flip Loans in California
Hard Money Loans
- Los Angeles (11,984,083)
- San Francisco (3,417,736)
- San Diego (3,064,435)
- Riverside (2,333,040)
- Sacramento (1,975,489)
- San Jose (1,827,643)
- Fresno (732,197)
- Mission Viejo (647,990)
- Bakersfield (566,351)
- Concord (531,305)
- Long Beach (455,548)
- Oakland (439,418)
- Stockton (410,053)
- Oxnard (369,935)
- Indio (366,757)
- Victorville (362,549)
- Modesto (359,115)
- Anaheim (344,521)
- Antioch (335,183)
- Santa Ana (312,534)
- Irvine (311,690)
- Santa Rosa (292,251)
- Chula Vista (276,375)
- Santa Clarita (270,147)
- Fremont (228,295)
- San Bernardino (222,724)
- Fontana (214,169)
- Moreno Valley (211,666)
- Thousand Oaks (207,637)
- Santa Barbara (202,039)
- Huntington Beach (195,240)
- Glendale (190,748)
- Hemet (185,006)
- Ontario (180,547)
- Elk Grove (179,155)
- Rancho Cucamonga (175,411)
- Salinas (173,715)
- Vallejo (172,800)
- Oceanside (172,242)
- Garden Grove (170,964)
- Lancaster (169,169)
- Visalia (167,944)
- Palmdale (164,634)
- Santa Cruz (163,368)
- Merced (159,942)
- Corona (159,670)
- Hayward (158,801)
- Roseville (155,955)
- Sunnyvale (154,236)
- Fairfield (151,672)
- Escondido (149,668)
- Pomona (147,943)
- Santa Maria (144,941)
- Torrance (142,130)
- Fullerton (140,968)
- Orange (138,266)
- Pasadena (136,969)
- Van Nuys (136,443)
- Santa Clara (130,256)
- Simi Valley (127,125)
- Clovis (124,725)
- Yuba City (124,653)
- Seaside (124,566)
- Berkeley (120,257)
- Redding (117,275)
- Gilroy (116,882)
- Richmond (115,505)
- Carlsbad (114,373)
- Murrieta (112,064)
- East Los Angeles (111,647)
- Temecula (111,167)
- Downey (110,939)
- Costa Mesa (110,330)
- Menifee (110,305)
- San Buenaventura (109,857)
- Chico (108,267)
- West Covina (107,037)
- Jurupa Valley (107,011)
- El Monte (106,109)
- Inglewood (104,569)
- Burbank (104,546)
- El Cajon (104,449)
- Rialto (104,143)
DSCR Rental Loans
- San Mateo (103,105)
- Vacaville (102,596)
- Daly City (101,964)
- Hesperia (100,775)
- Norwalk (99,789)
- Vista (99,114)
- Tracy (96,966)
- Arden-Arcade (94,994)
- San Marcos (94,882)
- Manteca (94,158)
- Carson (92,871)
- Compton (92,698)
- Chino (92,652)
- South Gate (91,483)
- Santa Monica (91,169)
- Westminster (89,860)
- San Leandro (87,826)
- Citrus Heights (86,995)
- Lake Forest (86,281)
- Whittier (86,165)
- San Ramon (85,993)
- Livermore (85,522)
- Hawthorne (85,191)
- Folsom (83,916)
- Newport Beach (83,845)
- Mountain View (83,732)
- Madera (83,104)
- Buena Park (82,871)
- Redwood City (82,447)
- Napa (82,103)
- Rancho Cordova (81,849)
- Alhambra (81,022)
- Perris (80,511)
- Lakewood (79,850)
- Turlock (79,611)
- Upland (79,257)
- Tustin (78,981)
- Milpitas (78,578)
- Chino Hills (77,927)
- Davis (77,858)
- Alameda (77,238)
- Pleasanton (76,960)
- Carmichael (76,948)
- Camarillo (76,945)
- Bellflower (76,819)
- Pittsburg (76,257)
- Apple Valley (75,473)
- Lodi (75,044)
- Redlands (73,375)
- Rocklin (73,327)
- Lake Elsinore (72,461)
- Tulare (70,945)
- Dublin (70,803)
- Eastvale (70,633)
- Baldwin Park (70,138)
- Walnut Creek (70,088)
- Porterville (69,819)
- Redondo Beach (69,291)
- Watsonville (69,089)
- Hanford (68,594)
- Union City (67,464)
- El Paso de Robles (67,346)
- Palo Alto (67,237)
- Yorba Linda (67,170)
- Brentwood (65,208)
- Castro Valley (65,001)
- Lynwood (64,578)
- South San Francisco (64,305)
- Laguna Niguel (64,139)
- San Clemente (63,273)
- La Habra (61,970)
- Woodland (61,854)
- Encinitas (61,480)
- Montebello (61,045)
- La Mesa (60,797)
- Florence-Graham (60,690)
- San Rafael (60,433)
- Pico Rivera (60,272)
- Gardena (59,422)
- Santee (59,332)
- Petaluma (59,247)
- Monterey Park (59,132)
- National City (58,893)
Fix and Flip Financing
- Cupertino (58,566)
- Highland (56,675)
- Beaumont (56,266)
- Fountain Valley (56,258)
- South Whittier (55,650)
- San Jacinto (55,180)
- Arcadia (55,170)
- West Sacramento (54,927)
- Yucaipa (54,421)
- Hacienda Heights (54,291)
- Colton (53,772)
- Diamond Bar (53,355)
- Huntington Park (53,108)
- Lincoln (52,956)
- Placentia (52,826)
- Novato (52,546)
- Cathedral City (52,267)
- Paramount (52,050)
- Palm Desert (51,990)
- Delano (51,679)
- Aliso Viejo (51,113)
- El Dorado Hills (51,026)
- Glendora (50,926)
- Florin (50,211)
- Rosemead (50,013)
- Covina (49,888)
- Cypress (49,498)
- Ceres (49,342)
- Azusa (49,031)
- Poway (48,713)
- San Luis Obispo (48,491)
- Antelope (48,301)
- North Highlands (47,957)
- Cerritos (47,867)
- Los Banos (47,593)
- Brea (47,469)
- La Mirada (47,180)
- Rancho Santa Margarita (46,990)
- Newark (46,903)
- Rowland Heights (45,911)
- Morgan Hill (45,425)
- French Valley (45,269)
- Oakley (45,183)
- Palm Springs (45,070)
- Rohnert Park (44,575)
- El Centro (44,240)
- Hollister (43,811)
- Vineyard (43,751)
- Lompoc (43,646)
- Danville (43,401)
- Coachella (43,307)
- Campbell (42,781)
- San Bruno (42,307)
- Altadena (41,705)
- Rancho Palos Verdes (40,864)
- Culver City (39,931)
- Stanton (39,402)
- La Quinta (38,707)
- Calexico (38,585)
- San Gabriel (38,392)
- Bell Gardens (38,229)
- Adelanto (37,964)
- Montclair (37,810)
- Monrovia (37,571)
- Wildomar (37,277)
- Pacifica (37,261)
- La Puente (37,142)
- Martinez (36,903)
- Claremont (36,595)
- Foothill Farms (36,435)
- Orangevale (35,958)
- Moorpark (35,854)
- Temple City (35,430)
- San Juan Capistrano (35,095)
- Lathrop (35,052)
- La Presa (34,962)
- West Hollywood (34,884)
- Oildale (34,687)
- Pleasant Hill (34,235)
- Manhattan Beach (34,210)
- Westmont (34,123)
- San Dimas (33,789)
- Desert Hot Springs (33,200)
Bridge Loans
- Fair Oaks (32,799)
- Foster City (32,792)
- Dana Point (32,790)
- Los Gatos (32,786)
- Menlo Park (32,727)
- Goleta (32,685)
- Bell (32,476)
- Atwater (32,162)
- Fallbrook (32,112)
- Spring Valley (31,969)
- San Pablo (31,720)
- Beverly Hills (31,624)
- Orcutt (31,454)
- Santa Paula (31,376)
- Banning (31,093)
- Lawndale (30,781)
- Laguna Hills (30,740)
- Los Altos (30,698)
- La Verne (30,600)
- Burlingame (30,525)
- Saratoga (30,319)
- Temescal Valley (30,069)
- Atascadero (29,712)
- San Carlos (29,614)
- Monterey (29,613)
- Suisun City (29,286)
- San Lorenzo (29,171)
- East Palo Alto (29,069)
- East Niles (28,532)
- Eastern Goleta Valley (28,295)
- Ridgecrest (28,225)
- Lemon Grove (27,686)
- Walnut (27,611)
- Twentynine Palms (27,355)
- Belmont (27,337)
- Brawley (27,283)
- Lemoore (27,102)
- Benicia (26,749)
- Sanger (26,699)
- Wasco (26,558)
- Soledad (26,365)
- Hercules (26,302)
- Windsor (26,081)
- South Pasadena (26,068)
- Eureka (26,010)
- El Cerrito (25,994)
- Galt (25,962)
- North Tustin (25,807)
- Imperial Beach (25,764)
- Bloomington (25,698)
- West Whittier-Los Nietos (25,615)
- Reedley (25,609)
- Mountain House (25,513)
- Dinuba (25,475)
- Lafayette (25,285)
- Riverbank (25,166)
- Loma Linda (25,122)
- Barstow (25,100)
- Norco (25,054)
- Seal Beach (24,722)
- Patterson (24,693)
- Selma (24,659)
- Maywood (24,317)
- Bay Point (24,231)
- Linda (23,871)
- Ladera Ranch (23,793)
- Rosemont (23,766)
- San Fernando (23,632)
- East San Gabriel (23,410)
- West Rancho Dominguez (23,300)
- Oakdale (23,194)
- Laguna Beach (22,710)
- Millbrae (22,689)
- Calabasas (22,669)
- Ramona (22,634)
- Marina (22,563)
- West Puente Valley (22,495)
- Corcoran (22,491)
- Lakeside (22,447)
- Ashland (22,210)
- Duarte (22,184)
- West Carson (22,143)
- Winter Gardens (22,131)
Private Money Lending
- Cudahy (22,087)
- Yucca Valley (21,770)
- American Canyon (21,691)
- Willowbrook (21,681)
- Granite Bay (21,673)
- Port Hueneme (21,582)
- Rosamond (21,473)
- Imperial (21,430)
- Rancho San Diego (21,272)
- South Lake Tahoe (21,269)
- Shafter (21,193)
- Stevenson Ranch (20,990)
- Valinda (20,962)
- East Hemet (20,257)
- Greenfield (20,232)
- Lomita (20,225)
- La Cañada Flintridge (19,935)
- Casa de Oro-Mount Helix (19,765)
- Oroville (19,752)
- Prunedale (19,723)
- Agoura Hills (19,721)
- Dixon (19,683)
- La Crescenta-Montrose (19,660)
- Arvin (19,539)
- Orinda (19,514)
- Lennox (19,449)
- Albany (19,414)
- South El Monte (19,287)
- Mead Valley (19,286)
- Hermosa Beach (19,063)
- Chowchilla (19,020)
- Coronado (19,015)
- Rosedale (18,877)
- Santa Fe Springs (18,871)
- Pinole (18,761)
- Stanford (18,662)
- Arcata (18,607)
- Valle Vista (18,602)
- Phelan (18,496)
- Olivehurst (18,444)
- Arroyo Grande (18,372)
- Cameron Park (18,315)
- Castaic (17,999)
- Rancho Mirage (17,563)
- Nipomo (17,516)
- Blythe (17,396)
- Woodcrest (17,368)
- Laguna Woods (17,289)
- Coalinga (17,203)
- McKinleyville (17,113)
- Truckee (17,066)
- Live Oak (16,911)
- South San Jose Hills (16,911)
- Fillmore (16,816)
- Kerman (16,815)
- El Segundo (16,769)
- Moraga (16,769)
- Bostonia (16,765)
- Clearlake (16,659)
- Rio Linda (16,335)
- Ukiah (16,304)
- Ripon (16,201)
- Artesia (15,889)
- Camp Pendleton South (15,766)
- Parkway (15,397)
- Vincent (15,340)
- Lemon Hill (15,312)
- La Palma (15,272)
- Coto de Caza (15,190)
- Alpine (15,180)
- Walnut Park (14,958)
- Pacific Grove (14,951)
- Discovery Bay (14,911)
- Livingston (14,606)
- East Rancho Dominguez (14,603)
- Red Bluff (14,549)
- Parlier (14,507)
- Alamo (14,488)
- California City (14,414)
- McFarland (14,222)
- Susanville (14,177)
- Los Osos (14,166)
- Cherryland (14,143)
Investment Property Loans
- Grass Valley (14,113)
- Mill Valley (14,012)
- Isla Vista (13,920)
- Salida (13,900)
- Auburn (13,768)
- Oak Park (13,757)
- Hawaiian Gardens (13,691)
- Avenal (13,608)
- King City (13,604)
- North Auburn (13,480)
- Lamont (13,164)
- El Sobrante (13,129)
- North Fair Oaks (13,100)
- Emeryville (13,081)
- Grand Terrace (13,078)
- Lake Los Angeles (13,051)
- Carpinteria (13,036)
- Palos Verdes Estates (12,925)
- Larkspur (12,854)
- Solana Beach (12,823)
- Kingsburg (12,755)
- Marysville (12,726)
- San Anselmo (12,679)
- Bonita (12,652)
- Lindsay (12,643)
- Grover Beach (12,604)
- Avocado Heights (12,593)
- Mendota (12,577)
- Fortuna (12,326)
- Newman (12,316)
- Lakeland Village (12,236)
- San Marino (12,216)
- University of California-Santa Barbara (12,121)
- Tamalpais-Homestead Valley (12,085)
- Scotts Valley (12,044)
- Muscoy (12,025)
- Commerce (11,993)
- Rancho Mission Viejo (11,971)
- Tehachapi (11,946)
- Winton (11,797)
- Los Alamitos (11,794)
- Rossmoor (11,532)
- Quartz Hill (11,510)
- La Riviera (11,492)
- Signal Hill (11,468)
- Big Bear City (11,431)
- Half Moon Bay (11,391)
- Anderson (11,255)
- Healdsburg (11,243)
- View Park-Windsor Hills (11,230)
- Canyon Lake (11,119)
- Valley Center (11,119)
- Del Aire (11,115)
- Hillsborough (11,099)
- East Bakersfield (11,062)
- Sun Village (11,036)
- Delhi (11,009)
- Piedmont (10,945)
- Sierra Madre (10,940)
- Clayton (10,937)
- Diamond Springs (10,927)
- Citrus (10,904)
- Calimesa (10,902)
- Placerville (10,762)
- Fairview (10,745)
- Morro Bay (10,692)
- Soquel (10,679)
- Sonoma (10,670)
- Garden Acres (10,667)
- Lake Arrowhead (10,639)
- Hillcrest (10,511)
- Home Gardens (10,506)
- Alum Rock (10,440)
- Malibu (10,421)
- Farmersville (10,397)
- Shasta Lake (10,311)
- Exeter (10,258)
- San Diego Country Estates (10,223)
- Country Club (10,161)
- Potomac Park (10,138)
- Blackhawk (10,137)
- Rio Vista (10,102)
- Corte Madera (10,077)
California Investor Lending Guides
Bridge Loan Guide Construction Hard Money Loans DSCR Loan Guide DSCR Loan Requirements Fix and Flip Loans Hard Money for Commercial Real Estate Hard Money Lenders by State Hard Money Loan Process Hard Money Loan Rates Hard Money vs Conventional Loans Rental Property DSCR Loans What Is a Hard Money Loan
What Our Clients Say
“They connected me with multiple private lenders across California. The competition between them got me a much better rate.”
Jason T. - March, 2026
“The California lending process was faster than I expected. My fix-and-flip loan closed in just 10 days.”
Michelle R. - February, 2026
“Needed a DSCR loan for a rental property. No income verification and the whole process was smooth and professional.”
Kevin D. - December, 2025
Get Your Free Loan Quote in California
California real estate investors: compare rates from multiple private lenders.
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