Solano County · California

Hard Money Loans in
Fairfield, CA

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

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

Fairfield Real Estate Investment Market

Market Insight

Fairfield is Solano County's largest city and home to Travis Air Force Base — one of the largest Air Force installations in the country. Military and government employment creates a stable, year-round rental base. Fix-and-flip investors find excellent price-to-profit spreads in Fairfield's established residential neighborhoods.

Fairfield investors are primarily focused on fix-and-flip, rental properties, and ground-up construction in Solano County's largest city. With over $550K median home price, private capital is often the fastest and most flexible financing tool available.

Fix & FlipSingle Property RentalRental Portfolio
CountySolano County
StateCalifornia
Price TierModerate-High
Median PriceOver $550K median home price
Investor FocusFix & Flip, Single Property Rental, Rental Portfolio
Downtown FairfieldCordeliaGreen ValleyTolenasTravis Area

Private Loans Available in Fairfield

All five loan products are available in Fairfield and throughout Solano County. No income docs required for DSCR loans.

Typical Fairfield Investor Profile

Investor Profile

Solano County investors targeting the most affordable Bay Area-adjacent market — anchored by Travis Air Force Base, government employment, and major I-80 corridor logistics companies.

Speed Over Everything

In competitive markets like Fairfield, 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 — Fairfield

What types of investment loans do you offer in Fairfield?
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 Fairfield and throughout Solano County.
How fast can I close a hard money loan in Fairfield?
Most fix & flip and bridge loans in Fairfield 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 Fairfield's competitive investment market.
What LTV do you lend for fix-and-flip loans in Fairfield?
We lend up to 90% of purchase price and 100% of rehab costs on fix-and-flip loans in Fairfield, subject to a maximum of 75% of the after-repair value (ARV). Given Fairfield's over $550K 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 Fairfield?
Yes — we lend on 1–4 unit residential investment properties in Fairfield, 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 Fairfield 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 Fairfield landlords — especially self-employed investors — this removes the biggest obstacle to portfolio growth. We lend up to 80% LTV on DSCR loans in Fairfield.

Other Solano County Markets We Serve

Ready to Fund Your Next Fairfield Deal?

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

Apply Online Now → Call (650) 780-3148