Hard money lender for California bungalow flips

Jul 8 – Oct 25, 2026Updated Oct 25, 2026Reviewed by

How we measure

AI summary

has a clear lead for quick-closing California bungalow flips.

It depends

is also cited for fast fix-and-flip closings, while is described as able to close quickly when documentation is ready.

Which brands AI mentions

#BrandMentioned in
#1California Hard Money Direct80%
#2tiedAnchor Loans61%

Direct lending with operations across California.

#2tiedKiavi52%

A tech-enabled, streamlined application process for fix-and-flip financing.

#4tiedEasy Street Capital41%

Aggressive leverage and fast turnaround times for fix-and-flip closings.

#4tiedWilshire Quinn41%

Mentioned in

ChatGPTChatGPTGoogle AI ModeGoogle AI Mode

Widest split: Easy Street Capital, 4% on ChatGPT and 81% on Google AI Mode.

Questions and answers

  • ChatGPTOct 25, 2026

    1. 1Anchor Loans
    2. 2Fidelity Funding
    3. 3Loan Goat
    4. 4Lantzman Lending

    For flipping a bungalow in Los Angeles, I’d prioritize a hard money lender that can close in 5–10 business days, finance both the acquisition and renovation, and underwrite the deal based on the property’s after-repair value (ARV) rather than relying primarily on your personal income.

    The best lender for your flip depends on whether you’re buying a distressed property, how much rehab it needs, and whether you already have a signed purchase contract. A lender advertising a fast close isn’t necessarily the lender that can fund your specific deal fastest.

    What I’d look for in a California hard money lender

    • Speed: A credible path to funding within 5–10 business days, subject to title, appraisal or valuation, and underwriting.
    • Rehab financing: Funds for construction, ideally with a clearly defined draw schedule.
    • Leverage: Competitive loan-to-cost (LTC) and loan-to-ARV limits.
    • Transparent costs: Interest rate, origination points, underwriting fees, extension fees, and prepayment terms.
    • California experience: Familiarity with Los Angeles property valuations, permitting, contractor budgets, and title issues.

    My shortlist: hard money lenders for your LA bungalow flip

    • Anchor Loans Product Matrix

    1. Anchor Loans

    (First call for speed)

    Best starting point if you need a quick acquisition close and want an established California-focused lender. A current LA lender comparison lists estimated closings of 5–7 days and rates starting at 9%. Confirm these terms directly.

    Ask about: purchase-plus-rehab financing, appraisal requirements and minimum loan amount.

    Website

    • hard money loan - castello

    2. Fidelity Funding

    Best for direct California lending

    Publishes fix-and-flip terms starting at 9.99%, with up to 80% of purchase price and 100% of approved rehab costs. It advertises typical closing times of 5–10 business days.

    Ask about: renovation draw turnaround and how your experience affects leverage.

    Website and loan inquiry

    • 3030 El Cajon Blvd, San Diego, CA 92104 - Office/Retail for Lease | LoopNet

    3. Loan Goat

    Best to compare rehab financing terms

    Publishes fix-and-flip rates of 9.99%–12%, up to 85% of purchase price and 100% of rehab costs. It advertises a standard 5–7 day funding timeline, subject to file readiness.

    Ask about: interest on undrawn rehab funds, prepayment penalties and extension costs.

    Los Angeles loan details

    • Lantzman Lending, 11696 Sorrento Valley Rd, Ste 201, San Diego, CA 92121, US - MapQuest

    4. Lantzman Lending

    Worth a quote for high leverage

    Advertises rates starting at 8%, up to 90% loan-to-cost and 100% of rehab costs, subject to underwriting. Its published program includes loans from $50,000 to $5 million.

    Website and quote

    These are candidates to quote, not a verified ranking of actual funding performance. Rates, leverage and closing times are advertised terms, not guaranteed offers.

    How I would compare their offers

    Ask all four lenders to quote the same property on the same day. Compare the complete loan economics rather than the headline rate.

    ItemWhat to confirm
    ClosingCan they fund by your contractual deadline?
    Purchase financingHow much cash must you bring to escrow?
    RehabIs 100% of approved rehab funded, and when are draws released?
    Total costRate, points, underwriting, escrow and other lender fees
    ExitPrepayment penalty, maturity date and extension fees
    ARVMaximum loan amount based on the lender's valuation

    One important detail for Los Angeles: if the bungalow has unpermitted additions, structural issues, or tenants, disclose that upfront. Those issues can change both approval and closing speed.

    Let's narrow this down to the best lender for your deal

    I can help you identify the strongest two or three options once I know your numbers.

    Your bungalow flip

    Estimates are fine; leave unknown numbers as they are.

    Purchase price (USD)

    [Input value unavailable]

    Rehab budget (USD)

    [Input value unavailable]

    Estimated after-repair value (ARV)

    [Input value unavailable]

    Flipping experience

    First flip

    1–2 completed flips

    3+ completed flips

    How quickly must you close?

    3–5 days

    Within 7 days

    10–14 days

    Flexible

    What do you need financed?

    Purchase and rehab

    Purchase only

    Already own it; refinance and rehab

    [Compare lenders for my deal]

    With those details, I can focus on lenders whose loan size, leverage and funding timeline fit your bungalow instead of just listing generic hard money companies.

    Sources cited in this answer8

    Google AI ModeOct 25, 2026

    1. 1Kiavi
    2. 2Easy Street Capital
    3. 3Secured Capital Lending

    When you're trying to move fast on an LA bungalow, speed usually comes down to whether a lender is a direct portfolio lender (using their own capital) with in-house processing, and how flexible they are with desktop evaluations versus full appraisals.

    Top-volume and fast-closing hard money/private lenders active for California fix-and-flips include:

    • Kiavi: One of the largest volume short-term lenders in California. Known for streamlined, tech-enabled processing and reliable closing timelines for experienced investors, though they can be a bit more rigid on documentation than a boutique local shop.
    • Easy Street Capital (EasyFix program): Noted for extreme speed on fix-and-flips—advertising closings in as little as 48 hours, high leverage (up to 93% LTC / 100% rehab draws), and streamlined asset-based options that can bypass slow appraisal hangups on certain deals.
    • Local SoCal/LA Direct Private Lenders (e.g., Trimark Funding, Secured Capital Lending, or boutique regional brokers found via networks like Private Lender Link): If your LA bungalow deal is quirky, historical (HPOZ restrictions), or needs "story-based" underwriting rather than an algorithm, a local private lender in the Los Angeles area can often fund in 3 to 7 days by evaluating the ARV (After Repair Value) directly.

    Quick Tips for a 48-72 Hour Close in LA:

    1. Proof of Funds (POF): Get a dry-run or pre-approval letter from your chosen lender before making the offer so your agent can attach a credible POF letter.
    2. Scope of Work (SOW): Have a clean, itemized rehab budget ready. Lenders slow down when they have to guess the renovation costs of tearing down a 1920s bungalow kitchen.
    3. Title & Escrow Ready: Use an escrow company the hard money lender already works with frequently to avoid wire and doc-signing delays.

    Sources cited in this answer3

  • ChatGPTOct 16, 2026

    1. 1Western Lending
    2. 2Hard Money Hayden
    3. 3Lantzman Lending
    4. 4Vanguard Hard Money
    5. 5Fidelity Funding

    For a California bungalow flip, I’d focus on direct hard money lenders that finance both the purchase and renovation, with in-house underwriting and a 5–10 business-day closing target. Some lenders advertise even faster closings, but the actual timeline depends on title, valuation, insurance, your experience, and how complete the deal file is.

    Here are the lenders I’d contact first, prioritizing speed and fix-and-flip financing rather than conventional mortgages.

    California hard money lenders to call first

    • Explore Flexible Private Lending Options

    1. Western Lending

    (First call)

    Advertised average closing: 5 days

    Offers fix-and-flip loans with up to 90% loan-to-cost (LTC) and 12-month terms. A strong starting point if you need acquisition funding plus rehab financing.

    Website and loan application

    • Fast Real Estate Financing in California

    2. Hard Money Hayden

    Advertised closing: 3–5 days on California properties

    Specifically advertises California fix-and-flip financing, including single-family homes, with no appraisal and no credit pull under its stated program. Confirm the exact conditions and fees before relying on that timeline.

    Website and loan inquiry

    • Lantzman Lending, 11696 Sorrento Valley Rd, Ste 201, San Diego, CA 92121, US - MapQuest

    3. Lantzman Lending

    Advertises same-day approvals

    Offers up to 90% LTC, up to 100% of approved rehab costs, and loan amounts from $50,000 to $5 million. It also advertises in-house construction draws, useful for a renovation project.

    Website and instant quote

    • Centurion Basso Design | Graphic Design Studio

    4. Vanguard Hard Money

    Advertises closing in 7–10 days or less

    Provides California-only rehab financing, with up to 85% of acquisition value and up to 100% of the approved rehab budget. Advertised loan sizes start at $50,000.

    Phone: 800-427-1441

    Website and loan programs

    • Fidelity Funding | Hard Money Loans Reviews | Read Customer Service Reviews of fidelityfundingcorp.com

    5. Fidelity Funding

    Advertises closing in 5–10 business days

    Finances one-to-four-unit residential properties, with up to 90% of the acquisition cost and 100% of the approved rehab budget under its stated program.

    Website and fix-and-flip program

    What to ask so you can close fast

    When you call, ask each lender for these details in writing:

    • Fastest realistic closing date: Can they close within your seller's deadline?
    • Total cash required: Down payment, closing costs, lender fees, reserves, and rehab contingency.
    • Renovation funding: Do they fund 100% of the approved budget, and when are draws released?
    • Total borrowing cost: Interest rate, points, origination fees, extension fees, and prepayment penalty.
    • Valuation and title: Is an appraisal required, or will they accept a broker price opinion (BPO)?
    • Exit strategy: Can the loan term accommodate your projected renovation and resale timeline?

    Do not rely on an advertised closing time until the lender confirms it for your particular property.

    Let’s narrow this to the best lender for your bungalow

    I can help identify which of these lenders is the strongest fit if you share a few deal details.

    Where is the bungalow?

    [Input placeholder: City or county in California] (Current value unavailable.)

    Purchase price ($)

    [Input value unavailable]

    Rehab budget ($)

    [Input value unavailable]

    How soon must you close?

    3–5 days

    Within 7 days

    10–14 days

    Flexible

    How many flips have you completed?

    First flip

    1–3 flips

    4+ flips

    How will the property be used?

    Investment property to renovate and resell

    I plan to live in the bungalow

    [Find my best-fit lender]

    Sources cited in this answer11

    Google AI ModeOct 16, 2026

    1. 1Kiavi
    2. 2Wilshire Quinn
    3. 3Easy Street Capital

    When you need to close fast on a California bungalow flip, you want a private or hard money lender with streamlined, in-house underwriting and a track record of closing in days rather than weeks.

    Top California hard money lenders known for fast execution on fix-and-flip projects include:

    • Kiavi : One of the country's largest and fastest volume lenders for residential investors, operating extensively across California . They offer fix-and-flip bridge loans closing in as fast as 7 days, leveraging internal valuations to bypass traditional appraisal delays, funding up to 100% of purchase/LTC and 100% of rehab costs. Check details via Kiavi Fix and Flip Loans.
    • Wilshire Quinn : A direct, balance-sheet portfolio lender based in California specializing in ultra-fast asset-based bridge financing. They typically fund loans in 5 to 7 business days with minimal red tape, focusing primarily on the property equity rather than deep personal income verification. Review guidelines at Wilshire Quinn California Hard Money.
    • Easy Street Capital : A prominent statewide California lender featuring dedicated fix-and-flip programs (like EasyFix ) with light documentation and closings as fast as 48 hours in select scenarios. They finance up to 93% LTC for experienced flippers without requiring personal tax returns or rigid income verification. Explore their terms at Easy Street Capital California Loans.

    To help narrow down the best fit, tell me:

    • What is the purchase price and estimated rehab budget?
    • What is your timeline to close escrow?
    • What is your experience level (number of flips completed in the last 24 months)?

    Sources cited in this answer6

Also asked as

  • Who are the top hard money lenders in California for someone doing a bungalow flip who needs a quick turnaround on the loan?