Hard Money Loans in San Francisco, CA
Find lenders offering hard money loans in the San Francisco, including Oakland, Berkeley, San Mateo, and surrounding areas. Compare rates, terms, and programs from 15 lenders.
Which Hard Money lenders serve San Francisco?
15 lenders offering hard money loans in the San Francisco, 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.
What does the San Francisco commercial real estate market look like?
San Francisco's CRE market has undergone significant recalibration as remote work reduced traditional office demand, particularly in the Financial District and SoMa neighborhoods that housed major tech tenants. The city's office vacancy rate climbed to historic highs in 2024-2025, creating opportunities for value-add investors and adaptive reuse conversions to residential and life sciences uses. The Mission Bay submarket, anchored by the UCSF Medical Center campus and the Chase Center, has shown more resilience with biotech and healthcare tenancy. South of Market and the Dogpatch neighborhood continue to attract AI and machine learning startups, and the city remains one of the highest-rent markets in the country despite the correction.
Key Economic Drivers
- ●AI and machine learning companies (OpenAI, Anthropic, and venture-backed startups)
- ●UCSF Medical Center campus and Mission Bay biotech cluster
- ●Salesforce, major tech headquarters, and financial services firms
- ●Tourism and convention activity centered on Moscone Center
Market Insight
San Francisco adopted a transfer tax incentive for office-to-residential conversions in the downtown core, waiving the city's 5.5% transfer tax for qualifying projects to accelerate repurposing of vacant office towers in the Financial District.
How do hard money loans work in San Francisco, California?
Hard money loans are short-term, asset-based real estate loans used when speed and collateral matter more than full bank underwriting. They are common for fix-and-flip projects, distressed acquisitions, and short bridge periods before a sale or refinance. In the San Francisco metro area, borrowers can access 15 lenders offering Hard Money financing, including Oakland, Berkeley, San Mateo, and surrounding areas. Loan amounts typically range from $50K to $10M with rates from 9% - 12%+.
Who should consider hard money loans?
- Fix-and-flip investors
- Distressed property acquisitions
- Auction or deadline-driven closings
- Short bridge periods before sale or refinance
What are the key requirements?
- Property or ARV support (often capped near 70-75%)
- Clear exit plan
- Cash for down payment, fees, and overruns
- Appraisal or valuation review
Advantages
- ✓Fast closings
- ✓Interest-only payments are common
- ✓Rehab funding is available on many deals
- ✓More flexible than bank underwriting
Considerations
- •Higher rates and points than bank or DSCR debt
- •Short terms with real refinance pressure
- •Property type and rural limits are common
- •Extension and draw fees can add up fast
Hard Money Loans in San Francisco FAQ
How many Hard Money lenders serve San Francisco, CA? ▼
What are Hard Money loan rates in San Francisco? ▼
Is hard money the same as a bridge loan? ▼
Can I get a hard money loan with bad credit? ▼
Where else can I find hard money loans in California?
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