Hard Money Lender San Francisco
Bridge Loans
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Bridge Loans in San Francisco, CA

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About Bridge Loans

Bridge loans are the connective tissue of San Francisco's investment real estate market. An investor identifies a below-market Edwardian triplex in Cole Valley while their exchange clock is running down. A tech-founder building a rental portfolio needs to close on a Pacific Heights Victorian before month-end while their permanent lender processes documentation. A family trust needs to acquire a Bayview-Hunters Point multi-unit while the estate is still in probate. In each case, the asset is real, the equity is real, and the only problem is time. Hard Money Lender San Francisco closes bridge loans in five to ten business days, turning timing problems into closed deals. Our bridge program funds from $150,000 to $5 million at up to 75% loan-to-value on income-producing and transitional properties, with terms from three to twenty-four months. We underwrite on asset value and exit strategy — we are not running debt-to-income models or requiring three years of Schedule E rental income. A competent appraiser, clean title, and a credible exit plan are the three variables that drive our decisions. We issue term sheets within four to twenty-four hours of receiving basic property and transaction data. Bridge financing in San Francisco carries specific local complexities that out-of-state lenders miss. Rent-controlled buildings acquired with existing long-term tenants need bridge financing structured around Just Cause Eviction constraints that affect who can occupy the property during the loan term. Properties held in family trusts or LLCs need entity-appropriate loan documentation. Foreign national buyers — particularly Chinese, Korean, and Indian investor families active in Presidio Heights, Sea Cliff, and Sunset — need lenders who can process ownership structures that conventional banks flag for enhanced due diligence. We handle all of it.

Hard Money Lender San Francisco provides bridge loans for Bay Area sponsors who need quick, decisive execution without conventional bank delay.

We structure each loan around collateral profile, timeline, and exit strategy to support your business plan from acquisition through disposition or refinance.

Frequently Asked Questions

How quickly can Hard Money Lender San Francisco close a bridge loan?

We close most bridge loans in five to ten business days from signed term sheet. For transactions with clean title, a straightforward appraisal, and borrower documentation ready to submit, four-day closes are achievable. The most common delays are title issues on older SF parcels — unrecorded liens, trust chain-of-title gaps, or easement disputes — which our title team flags early and resolves aggressively. We issue term sheets within four to twenty-four hours of receiving the property address, loan amount, and borrower's brief background.

Can I use a bridge loan to close a 1031 exchange replacement property in San Francisco?

Yes, 1031 exchange bridge closings are among our most common transactions. We close inside the forty-five-day identification window and within the one-hundred-eighty-day exchange deadline. We coordinate directly with your qualified intermediary on fund transfer timing and can structure the loan to acknowledge that the equity source is exchange proceeds held by the QI rather than funds in your account. The critical path is appraisal and title — we order both on day one and prioritize turnaround to ensure the close lands inside your exchange window.

Do you bridge loans on rent-controlled San Francisco apartment buildings?

Yes. Rent-controlled multifamily is a core part of our bridge portfolio. We underwrite based on current in-place rental income and the property's stabilized value without assuming tenant removal. Exit strategies we lend against include permanent DSCR refinance with documented rent rolls, sale to another investor, and in some cases equity-out refinance once the property value is confirmed post-stabilization. We do not advise on tenant relations strategy, OMI evictions, Ellis Act withdrawals, or buyout negotiations — those require your housing attorney — but we structure bridge terms that do not require tenant action to support repayment.

Will you lend to a foreign national buying San Francisco property through an LLC?

Yes, we close loans for foreign national borrowers regularly — Chinese, Korean, and Indian investor families are the most frequent. We require the LLC entity documents, the managing member's passport and visa status, evidence of U.S.-domiciled funds sufficient for the equity requirement, and a personal guarantee. For foreign nationals without U.S. credit history, we require a 30–35% equity contribution. We do not require a U.S. Social Security number or U.S. credit file. Our documentation process for foreign national LLCs typically adds three to five business days to the standard close timeline.

What are bridge loan interest rates and fees from Hard Money Lender San Francisco?

Our bridge loan rates run between 9.5% and 13% annually depending on loan-to-value, property type, borrower track record, and term. We charge origination fees of 2–3.5 points disclosed fully in the term sheet. Extension fees are flat amounts disclosed at origination — we do not renegotiate rate or add points at extension. Total cost modeling from acquisition to exit is something we walk through with every borrower at the term sheet stage so there are no surprises in the pro forma.

Available Throughout the Bay Area

San FranciscoOaklandBerkeleyDaly CityAlamedaSan MateoRedwood CityHaywardSan LeandroFremontMountain ViewSunnyvale
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