Hard money and private capital for Bay Area investors — Fix & Flip, Ground Up Construction, Stabilized Bridge, and DSCR Rental loans in Richmond. Close in 5–10 business days.
Richmond's waterfront Point Richmond neighborhood and proximity to major ferry terminals make it an emerging investment market. Fix-and-flip investors find the city's older housing stock offers some of the most significant upside in the East Bay.
Richmond investors are primarily focused on fix-and-flip, multifamily value-add, and emerging neighborhood investment. With over $600K median home price, private capital is often the fastest and most flexible financing tool available.
| County | Contra Costa County |
| State | California |
| Price Tier | Moderate-High |
| Median Price | Over $600K median home price |
| Investor Focus | Fix & Flip, Single Property Rental, Rental Portfolio |
All five loan products are available in Richmond and throughout Contra Costa County. No income docs required for DSCR loans.
Short-term bridge financing for Richmond acquisitions and renovations. Close in 5–10 days.
New construction financing for Richmond residential projects. Funds released in draws.
Bridge loan for stabilized Richmond rentals while arranging permanent financing.
30-year DSCR term loans for Richmond single-family and small multifamily rentals.
Blanket DSCR loans to finance multiple Richmond rental properties under one structure.
Contrarian investors identifying significant upside potential in Point Richmond's waterfront character and broader Richmond's proximity to the new EB-5 immigration-driven development wave.
In competitive markets like Richmond, 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.