Fund Your Deal in Days,
Not Months

We lend on non-owner occupied residential and commercial properties in California. Loan amounts range from $100K to $5M. We focus on the property value and exit strategy, not your personal credit score. Maximum LTV is 65% of current value or 70% of after-repair value.

Most loans close in 5-7 business days. For straightforward deals with complete documentation, we've closed in as little as 72 hours. The speed depends on title clearance and your responsiveness to document requests.

Purchase contract, proof of funds for down payment, contractor bids (for rehab loans), and a clear exit strategy. That's it. No tax returns, no bank statements, no employment verification.

Interest rates range from 9-12% depending on the deal. Points are 2-3% of the loan amount. No junk fees, no prepayment penalties. All costs are disclosed upfront in your term sheet.

Yes! Many of our investors use self-directed IRAs or solo 401(k)s to invest in trust deeds tax-free. We work with all major self-directed custodians and can guide you through the process.

Life happens, projects run long. We offer extensions at the same rate with a small extension fee. Our goal is your success—we work with borrowers who communicate proactively.