Featured Bay Area Hard Money Lender
CambridgeHomeLoan
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Phone: 561-665-1477
Top Hard Money Lenders in San Francisco
- North Coast Financial – fixed rates from 9.95%, 75% LTV, pre-approval same day.
- Wilshire Quinn Capital – up to $20?M loans, 24-hour pre-approval, fund in 5–7 days.
- Crescent Lenders – Bay Area specialist, 5–7?day closing with flexible underwriting.
- TaliMar Financial – bridge loans tailored to SF investors, terms up to 5?years.
Loan Programs Available in San Francisco
Hard Money Loan
Fast, equity-based loans perfect for San Francisco’s competitive market—no income qualification, fast close.
DSCR Loan
Qualify based on rental income, not your W-2—ideal for investors building a Bay Area rental portfolio.
Fix & Flip Loan
Short-term financing for value-add flips in neighborhoods like Mission, Richmond, Sunset, and SoMa.
Bridge Loan
Bridge the gap between deals or refinance periods—unique flexibility for fast-paced SF property moves.
Construction Loan
Cross-collateralize ground-up builds or major rehabs in high-demand areas like Noe Valley or Bernal Heights.
Multifamily Loan
Support for duplexes, triplexes, or larger apartment buildings in bustling neighborhoods like the Richmond and Outer Sunset.
Why Hard Money Loans Matter in San Francisco
With SF’s median home price above $1.3M and lightning-fast sales, time is money—private loans help you close deals quickly.
Typical San Francisco Hard Money Requirements
Lenders assess property equity, ARV, and your exit strategy. Credit and income documentation are secondary to deal fundamentals.
Best Bay Area Investment Neighborhoods
Explore Mission District, Inner Richmond, Outer Sunset, Bernal Heights, and Ingleside—areas with solid rental yield and redevelopment potential.