Contra Costa County · California

Hard Money Loans in
Brentwood, CA

Hard money and private capital for Bay Area investors — Fix & Flip, Ground Up Construction, Stabilized Bridge, and DSCR Rental loans in Brentwood. Close in 5–10 business days.

5–10
Day Close
90%
Max LTV (F&F)
100%
Rehab Financed
No
Income Docs (DSCR)

Brentwood Real Estate Investment Market

Market Insight

Brentwood is one of the fastest-growing cities in Contra Costa County, with significant new single-family development and active-adult communities. Ground-up construction financing is highly active as master-planned communities expand.

Brentwood investors are primarily focused on ground-up new construction, fix-and-flip, and active adult community investment. With over $750K median home price, private capital is often the fastest and most flexible financing tool available.

Ground UpFix & FlipSingle Property Rental
CountyContra Costa County
StateCalifornia
Price TierModerate-High
Median PriceOver $750K median home price
Investor FocusGround Up, Fix & Flip, Single Property Rental
Downtown BrentwoodDeer RidgeTrilogySand Creek

Private Loans Available in Brentwood

All five loan products are available in Brentwood and throughout Contra Costa County. No income docs required for DSCR loans.

Typical Brentwood Investor Profile

Investor Profile

East Contra Costa investors targeting one of the Bay Area's fastest-growing fringe markets — where land is available and new community development creates ground-up lending opportunities.

Speed Over Everything

In competitive markets like Brentwood, a 5–10 day close wins the deal. Conventional lenders can't compete with private money speed.

No Income Verification

Our DSCR rental loans qualify based on the property's cash flow, not your W-2. Self-employed investors and business owners are welcome.

Asset-Based Lending

Approval is based on the property's value and your investment plan — not a bureaucratic credit file. Credit scores as low as 620 considered.

Frequently Asked Questions — Brentwood

What types of investment loans do you offer in Brentwood?
We offer Fix & Flip bridge loans, Ground Up Construction loans, Stabilized Bridge loans, Single Property DSCR Rental loans, and Rental Portfolio blanket loans — all available for residential investment properties (non-owner-occupied) in Brentwood and throughout Contra Costa County.
How fast can I close a hard money loan in Brentwood?
Most fix & flip and bridge loans in Brentwood close in 5–10 business days from completed application. Ground-up construction loans typically take 10–15 business days due to draw schedule review. Speed is our primary advantage in Brentwood's competitive investment market.
What LTV do you lend for fix-and-flip loans in Brentwood?
We lend up to 90% of purchase price and 100% of rehab costs on fix-and-flip loans in Brentwood, subject to a maximum of 75% of the after-repair value (ARV). Given Brentwood's over $750K median home price, this allows investors to finance the majority of their acquisition and renovation costs with minimal equity required upfront.
Do you lend on multifamily properties in Brentwood?
Yes — we lend on 1–4 unit residential investment properties in Brentwood, including single-family homes, condos, duplexes, triplexes, and fourplexes. All properties must be non-owner-occupied investment properties. We do not lend on owner-occupied primary residences or commercial properties.
What is a DSCR loan and does it make sense for Brentwood rentals?
A DSCR (Debt Service Coverage Ratio) loan qualifies based on the rental income the property generates, not the borrower's personal income or tax returns. For Brentwood landlords — especially self-employed investors — this removes the biggest obstacle to portfolio growth. We lend up to 80% LTV on DSCR loans in Brentwood.

Other Contra Costa County Markets We Serve

Ready to Fund Your Next Brentwood Deal?

Get pre-qualified in minutes. No income docs. No tax returns. Close in 5–10 days.

Apply Online Now → Call (650) 780-3148