Hard money and private capital for Bay Area investors — Fix & Flip, Ground Up Construction, Stabilized Bridge, and DSCR Rental loans in Kensington. Close in 5–10 business days.
Kensington is an unincorporated community perched in the hills above Berkeley and Richmond, offering panoramic San Francisco Bay views and some of the East Bay's most desirable residential character. Its proximity to UC Berkeley faculty drives perpetual demand that makes it a consistently strong rental and fix-and-flip market.
Kensington investors are primarily focused on luxury fix-and-flip, Berkeley-adjacent rental investment, and hillside Craftsman renovations. With over $2M median home price, private capital is often the fastest and most flexible financing tool available.
| County | Contra Costa County |
| State | California |
| Price Tier | Luxury |
| Median Price | Over $2M median home price |
| Investor Focus | Fix & Flip, Single Property Rental, Stabilized Bridge |
All five loan products are available in Kensington and throughout Contra Costa County. No income docs required for DSCR loans.
Short-term bridge financing for Kensington acquisitions and renovations. Close in 5–10 days.
New construction financing for Kensington residential projects. Funds released in draws.
Bridge loan for stabilized Kensington rentals while arranging permanent financing.
30-year DSCR term loans for Kensington single-family and small multifamily rentals.
Blanket DSCR loans to finance multiple Kensington rental properties under one structure.
Berkeley-adjacent East Bay investors targeting Kensington's exclusive hillside enclave — a small unincorporated community with stunning Bay views, top schools, and an enclave character that keeps property values consistently high.
In competitive markets like Kensington, a 5–10 day close wins the deal. Conventional lenders can't compete with private money speed.
Our DSCR rental loans qualify based on the property's cash flow, not your W-2. Self-employed investors and business owners are welcome.
Approval is based on the property's value and your investment plan — not a bureaucratic credit file. Credit scores as low as 620 considered.
Get pre-qualified in minutes. No income docs. No tax returns. Close in 5–10 days.