San Mateo County · California

Hard Money Loans in
Burlingame, CA

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

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

Burlingame Real Estate Investment Market

Market Insight

Burlingame's tree-lined downtown, excellent Peninsula location, and low housing density create persistent demand. Its proximity to San Francisco International Airport makes it attractive for traveling executives seeking long-term furnished rentals.

Burlingame investors are primarily focused on fix-and-flip, single-family rentals near SFO, and luxury investment properties. With over $2.4M median home price, private capital is often the fastest and most flexible financing tool available.

Fix & FlipSingle Property RentalStabilized Bridge
CountySan Mateo County
StateCalifornia
Price TierLuxury
Median PriceOver $2.4M median home price
Investor FocusFix & Flip, Single Property Rental, Stabilized Bridge
Downtown BurlingameEaston AdditionHillsborough borderBurlingame Hills

Private Loans Available in Burlingame

All five loan products are available in Burlingame and throughout San Mateo County. No income docs required for DSCR loans.

Typical Burlingame Investor Profile

Investor Profile

Peninsula investors targeting Burlingame's walkable downtown, proximity to SFO, and Caltrain connectivity — a perennial favorite for corporate relocatees and tech executives.

Speed Over Everything

In competitive markets like Burlingame, 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 — Burlingame

What types of investment loans do you offer in Burlingame?
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 Burlingame and throughout San Mateo County.
How fast can I close a hard money loan in Burlingame?
Most fix & flip and bridge loans in Burlingame 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 Burlingame's competitive investment market.
What LTV do you lend for fix-and-flip loans in Burlingame?
We lend up to 90% of purchase price and 100% of rehab costs on fix-and-flip loans in Burlingame, subject to a maximum of 75% of the after-repair value (ARV). Given Burlingame's over $2.4M 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 Burlingame?
Yes — we lend on 1–4 unit residential investment properties in Burlingame, 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 Burlingame 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 Burlingame landlords — especially self-employed investors — this removes the biggest obstacle to portfolio growth. We lend up to 80% LTV on DSCR loans in Burlingame.

Other San Mateo County Markets We Serve

Ready to Fund Your Next Burlingame Deal?

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

Apply Online Now → Call (650) 780-3148