Local Lending Resources
Reliable Sacramento Hard Money Lender
CambridgeHomeLoan
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Phone: 561-665-1477
Private Lenders in Sacramento & Northern California
- North Coast Financial – Central Valley expertise, fast funding for residential and commercial deals.
- Wilshire Quinn Capital – Competitive bridge and rehab loans for Sacramento investors.
- Kiavi – Online platform for fast fix & flip and rental loan approvals.
- Civic Financial – Trusted by investors in Arden-Arcade and Natomas communities.
Loan Options Available in Sacramento
Hard Money Loan
Quick financing without the red tape—ideal for time-sensitive Sacramento real estate acquisitions.
DSCR Loan
Cash-flow-based qualification for rentals in Oak Park, East Sacramento, and beyond—no personal income checks.
Fix & Flip Loan
Purchase, renovate, and resell properties fast in high-turnover areas like Tahoe Park or Del Paso Heights.
Bridge Loan
Bridge short-term gaps in financing when transitioning between properties or waiting for permanent funding.
Construction Loan
Build new or expand in South Land Park, Folsom, and Elk Grove—get funding without full bank constraints.
Multifamily Loan
Finance 2-4 unit and larger residential complexes near Sacramento State and midtown housing corridors.
Why Use Hard Money in Sacramento?
With rising property values and low inventory, speed matters. Hard money gives you leverage to close faster and outbid slower buyers.
Lender Requirements
Most Sacramento hard money lenders focus on property value and exit strategy. Credit score and income history are secondary concerns.
Best Investment Areas in Sacramento
Focus on Oak Park, Land Park, Curtis Park, Midtown, and Natomas for rental growth, renovation upside, and tenant demand.