Hard Money Loans in
Santa Rosa, CA

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 Santa Rosa and throughout Sonoma County.

Most fix & flip and bridge loans in Santa Rosa 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 Santa Rosa's competitive investment market.

We lend up to 90% of purchase price and 100% of rehab costs on fix-and-flip loans in Santa Rosa, subject to a maximum of 75% of the after-repair value (ARV). Given Santa Rosa's over $700K median home price, this allows investors to finance the majority of their acquisition and renovation costs with minimal equity required upfront.

Yes — we lend on 1–4 unit residential investment properties in Santa Rosa, 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.

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 Santa Rosa landlords — especially self-employed investors — this removes the biggest obstacle to portfolio growth. We lend up to 80% LTV on DSCR loans in Santa Rosa.