Hard Money Lender San Francisco
Fix-and-Flip Loans
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Fix-and-Flip Loans in San Francisco, CA

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About Fix-and-Flip Loans

San Francisco's housing stock is a renovator's market hiding in plain sight. Walk almost any block in the Outer Sunset, Cole Valley, or Bernal Heights and you'll find Edwardian cottages built between 1906 and 1915 — plaster walls, knob-and-tube wiring, cast-iron drains — sitting on lots that resale for north of $1.2 million finished. The gap between distressed-acquisition price and after-repair value is where our borrowers make their returns, and it is where Hard Money Lender San Francisco makes our loans. Fix-and-flip financing from us covers both acquisition and renovation costs under a single draw structure, moving from signed term sheet to funded close in as few as five to seven business days. We evaluate deals on after-repair value rather than current condition, so a soft-story four-unit in the Marina that still needs its mandatory seismic retrofit under the SF Soft Story Mandatory Retrofit Ordinance does not automatically disqualify — we price the retrofit cost into the renovation budget and lend against the stabilized value. Our underwriting team has walked cripple-wall foundations in Russian Hill and poured-in-place garages in Cow Hollow; condition issues that stop a conventional bank are simply line items in our draw schedule. Because SF Planning permit cycles for any work triggering discretionary review can run twelve to twenty-four months on contested projects, we build flexible term structures: initial terms from six to eighteen months, with documented extension options for projects delayed by Section 311 neighbor notifications or Discretionary Review (DR) hearings. Investors backed by tech-IPO liquidity — early Stripe, OpenAI, or Databricks employees turning equity into real estate — use our program to move faster than the off-market sellers they court. Speed is the differentiator, and we are built for it.

Hard Money Lender San Francisco provides fix-and-flip 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 I close a fix-and-flip loan with Hard Money Lender San Francisco?

We close most fix-and-flip loans in seven to ten business days from signed term sheet. For straightforward purchases with clear title and a detailed renovation budget, five-day closes are possible. We issue term sheets within twenty-four hours of receiving a purchase contract and renovation scope. Our appraisal network is familiar with San Francisco's micro-market pricing, and we do not require full MAI appraisals on properties under $2 million — a broker price opinion with comps is sufficient for expedited underwriting.

Will you lend on a soft-story building that has not completed the mandatory seismic retrofit?

Yes, with the retrofit cost fully budgeted. San Francisco's Soft Story Mandatory Retrofit Ordinance requires seismic work on qualifying wood-frame multi-unit buildings, and we treat that retrofit scope as a renovation draw line item. We have financed numerous pre-retrofit soft-story buildings in the Marina, Tenderloin, and Richmond. The retrofit engineering and construction costs — typically $50,000–$150,000 depending on unit count and structural conditions — are included in the renovation holdback and disbursed after the city's retrofit compliance inspection.

What happens if my project gets stuck in Discretionary Review at SF Planning?

We build DR-delay protection into every loan. Our standard fix-and-flip term includes one six-month extension at a disclosed flat fee. If a Section 311 neighbor notification triggers a DR hearing that delays permit issuance, you request the extension in writing with documentation of permit status, and we grant it without renegotiating rate or loan balance. Investors dealing with the city's fourteen- to twenty-four-month DR timelines use our extension structure as a hedge against political delay.

Do you lend to LLCs and family trust entities?

Yes, we lend to single-purpose LLCs, multi-member LLCs, California revocable trusts, Delaware statutory trusts, and other entity structures with a personal guarantee from the controlling party. Tech-wealth investors and family-office borrowers who hold assets in trust for estate planning purposes close with us routinely. We need the entity formation documents, operating agreement or trust instrument, and authorization to borrow — typically a twenty-four-hour documentation process.

How do you handle the renovation draw process for an ADU addition in San Francisco?

ADU addition draws follow the same milestone-inspection model as standard renovation draws. We typically structure four to five draws for an ADU project: foundation/framing inspection, rough mechanical and electrical, insulation and drywall, and finishes plus final inspection by the SF Department of Building Inspection. Funds are disbursed within two to three business days of inspection verification. For attic-conversion JADUs under AB-2221, we treat the city's pre-application meeting as an initial draw milestone to confirm permit eligibility before releasing substantial renovation funds.

Available Throughout the Bay Area

San FranciscoOaklandBerkeleyDaly CityAlamedaSan MateoRedwood CityHaywardSan LeandroFremontMountain ViewSunnyvale
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