Hard Money Loans in
Sonoma, 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 Sonoma and throughout Sonoma County.

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

We lend up to 90% of purchase price and 100% of rehab costs on fix-and-flip loans in Sonoma, subject to a maximum of 75% of the after-repair value (ARV). Given Sonoma's over $1.2M 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 Sonoma, 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 Sonoma landlords — especially self-employed investors — this removes the biggest obstacle to portfolio growth. We lend up to 80% LTV on DSCR loans in Sonoma.