Hard Money Loans in Sacramento, CA
Find lenders offering hard money loans in the Sacramento, including Roseville, Elk Grove, Folsom, and surrounding areas. Compare rates, terms, and programs from 15 lenders.
Hard Money Lenders Serving Sacramento
15 lenders offering hard money loans in the Sacramento, CA area.
Anchor Loans
LocalThousand Oaks, CA
One of the largest hard money lenders in the US. Fix-and-flip, bridge, and rental loans. Fast closings with competitive terms for experienced investors.
Civic Financial Services
LocalRedondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
Stbridge Capital
LocalLos Angeles, CA
Private money lender in California. Bridge, fix-and-flip, and ground-up construction loans. Fast closings for experienced investors.
Broadmark Realty Capital
Seattle, WA
Private real estate lender offering bridge, construction, and land loans. Now part of Ready Capital. Loans from $500K to $25M+.
Constitution Lending
NJ
Hard money lender focused on new investors. Fix-and-flip and bridge loans with 9.5-12% rates. No experience required. Up to 90% LTV for renovation.
Easy Street Capital
Austin, TX
Investment property lender specializing in fix-and-flip, bridge, and DSCR rental loans. Loans approved in 24 hours, close in 48 hours. Min credit score 600.
Groundfloor
Atlanta, GA
Real estate lending platform offering fix-and-flip and bridge loans. Crowdfunding model provides competitive rates for borrowers.
Lending One
Boca Raton, FL
National direct lender for real estate investors. Fix-and-flip, bridge, and 30-year DSCR rental loans. $5B+ in originations.
New Silver Lending
FL
Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.
Park Place Finance
TX
Direct private lender with 17+ years experience. $1B+ in loans closed. Bridge loans for fix-and-flip, refinance, and cash-out.
RCN Capital
South Windsor, CT
Nationwide private lender for fix-and-flip, bridge, and rental loans. Fast closings and flexible terms.
Residential Capital Partners
TX
Hard money lender offering up to 85% LTV with no down payment option. Rates starting at 8.5%. Mixed-use, single-family, and multifamily.
Tidal Loans
Houston, TX
Texas-based private money lender. Hard money, bridge, and DSCR rental loans for real estate investors nationwide.
Aloha Capital
HI
Private lender offering DSCR rental loans with up to 80% cash-out refinance. Also provides bridge and fix-and-flip financing for investment properties.
Temple View Capital
UT
Private lender offering DSCR rental loans, bridge financing, and fix-and-flip loans for real estate investors. Fast closings with flexible qualification criteria.
Sacramento Commercial Real Estate Market
Sacramento's CRE market is anchored by California state government, which occupies millions of square feet of office space in and around the Capitol Mall corridor, and by major healthcare systems including UC Davis Medical Center and Sutter Health. The Natomas submarket north of downtown has become a preferred location for corporate office campuses, while the Roseville-Rocklin corridor along I-80 is the primary suburban retail and office growth area. The downtown core has seen notable investment in mixed-use projects, particularly around the Golden 1 Center arena in the Downtown Commons (DOCO) district. The emergence of Sacramento as an affordable alternative to Bay Area markets has attracted tech companies and remote workers, pushing multifamily and office demand upward.
Key Economic Drivers
- ●California state government operations and extensive contractor ecosystem
- ●UC Davis Medical Center and Sutter Health hospital systems
- ●Intel Folsom campus and growing tech sector presence
- ●Golden 1 Center arena and Downtown Commons mixed-use development
Market Insight
Sacramento's median commercial lease rates run approximately 40-50% below San Francisco's, and the region has attracted Bay Area companies seeking lower occupancy costs while maintaining proximity to Northern California's talent base via the Capitol Corridor Amtrak route.
Hard Money Loans in Sacramento, California
Hard money loans are short-term, asset-based loans primarily secured by real estate. Funded by private investors or companies rather than banks, they prioritize the property's value over the borrower's creditworthiness. Ideal for fix-and-flip, distressed properties, and deals that need to close fast. In the Sacramento metro area, borrowers can access 15 lenders offering Hard Money financing, including Roseville, Elk Grove, Folsom, and surrounding areas. Loan amounts typically range from $50K to $10M with rates from 10% - 15%.
Who Should Consider Hard Money Loans?
- Fix-and-flip investors
- Distressed property acquisitions
- Borrowers with credit issues
- Deals requiring immediate close
Key Requirements
- Property as collateral (LTV 60-75%)
- Exit strategy
- Down payment or equity
- Property appraisal
Advantages
- ✓Fastest closing (days, not weeks)
- ✓Credit score less important
- ✓Flexible terms
- ✓Finance distressed properties
Considerations
- •Highest interest rates
- •Short terms
- •High origination fees (2-5 points)
- •Requires strong exit strategy
Hard Money Loans in Other California Cities
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