Sonoma County · California

Hard Money Loans in
Windsor, CA

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

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

Windsor Real Estate Investment Market

Market Insight

Windsor is Sonoma County's newest incorporated town and one of its fastest-growing, with significant new residential development and a SMART train station connecting it to Petaluma and Santa Rosa. Fix-and-flip and ground-up construction are both active investment strategies here.

Windsor investors are primarily focused on fix-and-flip, ground-up construction, and rental properties in a fast-growing North Bay market. With over $750K median home price, private capital is often the fastest and most flexible financing tool available.

Ground UpFix & FlipSingle Property Rental
CountySonoma County
StateCalifornia
Price TierModerate-High
Median PriceOver $750K median home price
Investor FocusGround Up, Fix & Flip, Single Property Rental
Downtown WindsorLakewoodWindsor GreenSky Ranch

Private Loans Available in Windsor

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

Typical Windsor Investor Profile

Investor Profile

North Bay growth investors targeting one of Sonoma County's fastest-growing towns — Windsor's master-planned community character and SMART train connectivity are attracting Bay Area migration.

Speed Over Everything

In competitive markets like Windsor, 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 — Windsor

What types of investment loans do you offer in Windsor?
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 Windsor and throughout Sonoma County.
How fast can I close a hard money loan in Windsor?
Most fix & flip and bridge loans in Windsor 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 Windsor's competitive investment market.
What LTV do you lend for fix-and-flip loans in Windsor?
We lend up to 90% of purchase price and 100% of rehab costs on fix-and-flip loans in Windsor, subject to a maximum of 75% of the after-repair value (ARV). Given Windsor's over $750K 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 Windsor?
Yes — we lend on 1–4 unit residential investment properties in Windsor, 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 Windsor 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 Windsor landlords — especially self-employed investors — this removes the biggest obstacle to portfolio growth. We lend up to 80% LTV on DSCR loans in Windsor.

Other Sonoma County Markets We Serve

Ready to Fund Your Next Windsor Deal?

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

Apply Online Now → Call (650) 780-3148