We offer hard money financing for properties located in the Inland Empire. The Inland Empire is an area consisting of San Bernardino and Riverside Counties, located East of Los Angeles. While many areas of this region experienced drastic declines in real estate values during the last downturn, we are comfortable with the area and arranging equity-based loans on properties located within this part of California.

For a number of our investors this area is within easy driving distance, meaning we have flexibility on the structure and terms of the loans we are able to arrange. Typically speaking our maximum loan to value in this area will range between 60% and 65% of the value of the property, although for the right deals we can potentially arrange financing at a loan to value as high as 70%. Most of our hard money loans in this area range in length from 12 months to five years and are interest only. We do have options for longer term loans and fully or partially amortized loans as well, so if this is required be sure to let us know.

As mentioned above, real estate values in the Inland Empire fell sharply during the last real estate market decline. This has produced opportunities for real estate investors, in particular fix and flip investors. We have a number of hard money rehab loan programs to meet the needs of these investors. Our rehab loans will typically lend up to 65% of the after repair value of a property, and will include interest reserves and funds for the work to be done on the property. We also have programs that will lend up to 75% of the purchase price for short term fix and flip transactions, allowing a majority of the fees to be deferred until the property is sold