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Recommended Hard Money Lender – Long Beach
CambridgeHomeLoan
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Phone: 561-665-1477
Top Lenders for Long Beach Investors
- Civic Financial – Specializing in Southern California short-term loans and fix & flip financing.
- North Coast Financial – Quick approvals for rehab, rental, and bridge loans in LA County.
- Anchor Loans – Serving Long Beach with fast fix-and-flip funding and investor guidance.
- Kiavi – Easy DSCR and rental property loan access for Long Beach-based portfolios.
Real Estate Loan Programs in Long Beach
Hard Money Loan – Ideal for Fast Property Acquisitions
Long Beach investors in Belmont Heights, Bixby Knolls, or North Long Beach can use hard money loans for rapid purchases with minimal documentation. These equity-based loans close in days—perfect for beating out all-cash competition.
DSCR Loan – Best for Rental Investors
Landlords acquiring properties near California State University Long Beach or in East Village can use DSCR loans that qualify based on rental income—not W-2 or self-employment documents. Perfect for cash-flowing duplexes or condos in Alamitos Beach.
Fix & Flip Loan – Designed for Rehab Projects
Short-term funding for investors flipping homes in Wrigley, Cambodia Town, or Rose Park. These loans cover purchase plus rehab costs with draws as work progresses—no seasoning required.
Bridge Loan – Perfect for Timing Gaps
If you're buying a Long Beach property before selling another, bridge loans offer transitional funding. Useful in competitive areas like Naples Island or Lakewood Village where quick offers matter.
Construction Loan – Ground-Up and Major Renovations
Build new homes or ADUs in Los Cerritos or Westside Long Beach. Construction loans are perfect for builders looking to capitalize on infill opportunities or city rezoning plans.
Multifamily Loan – For 2–50 Unit Properties
From triplexes in North Alamitos Beach to mid-sized apartment buildings in Zaferia, multifamily loans offer high leverage and competitive terms for buy-and-hold investors or repositioning strategies.
Why Use Hard Money in Long Beach?
With its strong rental demand, beachfront appeal, and ongoing development, Long Beach offers excellent upside for both short-term flippers and long-term investors. Hard money financing helps investors close quickly and capitalize on opportunity zones and undervalued assets.
Loan Qualification Requirements
In most cases, lenders prioritize the value of the property, rehab plans, and projected resale or rental performance. Personal credit is secondary. Having a clear exit strategy (sale or refinance) is critical for loan approval.
Best Neighborhoods for Investment in Long Beach
Target Belmont Shore, Bluff Heights, North Long Beach, and Downtown Long Beach for strong appreciation potential, consistent tenant demand, and city-backed revitalization programs.