© WHERE WE LEND BAKERSFIELD · CA
HARD MONEY LENDER BAKERSFIELD
Bakersfield bridge, flip and DSCR money from a lender that answers the phone and closes on time.
CALL OR TEXT US (619) 617-2797
- GOOGLE RATING 150+ REVIEWS
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618
Oil, agriculture and freight keep Kern County working, and Bakersfield is where all three cash out. Southwest Bakersfield holds the newer subdivision product, the Oleander and Westchester historic districts carry the character housing near downtown, and East Bakersfield offers the lowest entry basis in the city. Interstate 5 and Highway 99 put distribution demand alongside the housing.
Bakersfield is one of the California markets Loan Goat lends in year round. Kern County files and deals in Visalia, Lancaster and Santa Clarita are underwritten identically, on value, exit and the plan for the property.
Loan Goat is a direct lender with in-house capital and no loan committee, headquartered in San Diego and funding across 46 states. A Bakersfield borrower deals with the lender itself, not a broker shopping the file, which is the difference between a quote you can act on and a quote that needs a second opinion.
© THE COST BAKERSFIELD · CA
WHAT DO BAKERSFIELD HARD MONEY LOANS COST
Pricing a Bakersfield deal is straightforward. Bridge runs from 9.00% to 13.00% and moves with leverage and risk. Ask for more of the purchase price and the rate moves up; bring a stronger exit and it moves down. Residential bridge goes to 75% LTV and commercial to 70%.
Every quote is written before an appraisal is ordered, so a Bakersfield investor knows the rate, the leverage, the term and the fees while there is still time to walk. No prepayment penalty on the bridge programs means a flip that sells in four months costs four months of interest, not twelve.
| PROGRAM | RATES | LEVERAGE UP TO | TERMS | LOAN AMOUNTS |
|---|---|---|---|---|
| BRIDGE LOAN | 9.00% to 13.00% | LTV 75% | 1 or 2 years | $150,000 to $25,000,000 |
| FIX & FLIP | 9.99% to 12.00% | LTV 85% of purchase, LTC 100% of rehab | 6 to 18 months | $250,000 to $10,000,000 |
| RENTAL DSCR | 6.50% to 9.99% Non-QM | LTV 80% | 5, 7, 30 and 40 year fixed | Sized to the property |
Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.
Those numbers are the ceiling and the floor. A Bakersfield deal gets priced inside them once the property and the exit are on the table, usually the same day the file is opened.
© WHY LOAN GOAT BAKERSFIELD · CA
WHY LOAN GOAT IN BAKERSFIELD
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
A private lender earns its rate by being fast and being sure. On Bakersfield property that shows up as a written quote the same day, an appraisal ordered only once the terms are agreed, and a wire inside a week. The rate buys the speed and the certainty.
Postwar stucco and frame ranch in enormous supply, 1920s bungalows around the older central districts, newer tract subdivisions across the southwest, and industrial and flex buildings along the highway and rail corridors. That stock is exactly what the bridge and fix and flip programs are built for.
Yield is the draw, so buy and hold leads. Flips clear well on dated ranch homes, small multifamily near the college and medical corridors stays occupied, and industrial or flex space serves the logistics tenants moving through the valley. The program follows the plan, not the other way round.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
BAKERSFIELD DEALS, FUNDED FROM SAN DIEGO.
Kern County files run on the same terms as the home markets: written quote first, appraisal once terms are agreed, wire in five to seven days. 1.3K+ closed loans since 2022 and $1.5B+ funded across 46 states.
© LOAN SCENARIOS BAKERSFIELD · CA
MOST COMMON BAKERSFIELD LOAN SCENARIOS
- 1031 EXCHANGE Bridge money that lets a Bakersfield replacement property close inside the 45 and 180 day windows.
- AUCTION & HUBZU Bakersfield auction buys where the deposit is up and the clock is already running.
- BANKRUPTCY BUYOUT Buying out a partner or a plan on Bakersfield real estate, funded on the equity in the asset.
- BANK STATEMENT LOANS Deposits instead of tax returns for self-employed buyers working Kern County.
- FORECLOSURE AUCTION Courthouse and trustee sale purchases in Kern County, funded on the asset and the plan.
- FOREIGN NATIONAL Foreign national buyers acquiring Bakersfield investment property without a US credit file.
- NON-WARRANTABLE CONDOS Non-warrantable Kern County condo units where the HOA or the investor concentration killed the conventional loan.
- SELF-EMPLOYED Business owners buying in Bakersfield whose write-offs make a bank file impossible.
- VACATION RENTAL Bakersfield vacation rental purchases where the projected income does the work.
- CASH OFFERS ONLY Sellers in Bakersfield who will only look at cash get a proof of funds that holds up.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN BAKERSFIELD
- BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
- FIX & FLIP LOANS Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO
- RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. FROM 6.50% · LTV 80% · 30 YR
- COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR
- OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO
- BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
- SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
- BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR
© PROPERTY TYPES BAKERSFIELD · CA
PROPERTY TYPES WE FINANCE IN BAKERSFIELD
- INDUSTRIAL & WAREHOUSE Warehouse and flex space in and around Bakersfield, purchase, refinance and cash-out.
- HOSPITALITY: HOTEL & MOTEL Motel and boutique hotel repositioning in Bakersfield bridged to an SBA or conventional exit.
- SELF-STORAGE Bakersfield storage facilities, stabilized or in lease-up.
- LAND Entitled and unentitled parcels around Bakersfield on the land program.
- MANUFACTURED HOMES Kern County manufactured home communities on bridge and commercial terms.
- ASSISTED LIVING Bakersfield care facilities bridged through licensing and stabilization.
© THE APPROACH BAKERSFIELD · CA
HOW WE LEND IN BAKERSFIELD
The comparison is the operating rulebook: high leverage, speed to close, capital that is actually there, low documentation, in-house processing and a rate the deal earns. When a bank says no on a Bakersfield file, this desk looks at the property. When the deal does not pencil, you hear it before the appraisal is ordered.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
BAKERSFIELD BORROWERS, IN THEIR WORDS
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Working with Loan Goat has been an absolute game-changer in my home-buying journey! From the start, Milad, brought a level of expertise and care that made the process smooth and stress-free. His team's dedication to customer service is...
ALIZE RIOS -
I recently worked with Loan Goat, and my experience was fantastic. From start to finish, the team was attentive, knowledgeable, and genuinely interested in helping me find the best loan options for my needs. They walked me through every...
LUIS GONZALEZ -
Working with Loan Goat has been an absolute game-changer in my home-buying journey! From the start, Milad, brought a level of expertise and care that made the process smooth and stress-free. His team's dedication to customer service is...
ALIZE RIOS -
I recently worked with Loan Goat, and my experience was fantastic. From start to finish, the team was attentive, knowledgeable, and genuinely interested in helping me find the best loan options for my needs. They walked me through every...
LUIS GONZALEZ
© QUESTIONS BAKERSFIELD · CA
BAKERSFIELD HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
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Yes. Loan Goat funds investment property in Bakersfield and across Kern County on every program listed on this site: bridge, fix and flip, construction, rental property, commercial, owner occupied, bank financing, second and third mortgages and blanket loans. The desk is in San Diego, the capital is in house, and Bakersfield files are underwritten on the property rather than on where the borrower banks.
Request a quote -
Five to seven days is standard and low-doc bridge files have funded in as little as three. The timeline on a Bakersfield deal is usually set by title and escrow rather than by underwriting, because the credit decision is made in house by one person. Open title early and the wire follows the written terms.
How it works -
Non-owner-occupied residential from single-family up to four units, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land across Kern County. Owner-occupied has its own program. If the Bakersfield asset produces or will produce value, there is usually a structure for it.
Property types -
Yes, and California is our home state. Bakersfield deals in Kern County run through the same programs we use nationwide: bridge, fix and flip, construction, rental property DSCR and commercial. We underwrite the property, not the borrower, with minimal documentation. Most files close in five to seven days from our San Diego office.
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No prepayment penalty on the bridge programs. Pay the loan off the day the flip sells or the refinance funds and you owe interest for the days you used the money. That matters when the whole plan is to be in and out inside a year.
All loan programs -
Five to seven days is the standard, and low-doc bridge deals have closed in as little as three. Speed comes from the structure, not from cutting corners: in-house capital, one decision maker and minimal documentation. Title and escrow set the floor, so the sooner those are opened, the sooner the wire moves.
How funding works -
Single-family rentals, condos, townhomes, two to four unit buildings, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land. Business-purpose and non-owner-occupied is the core of the book, with owner-occupied handled under its own program.
Property types -
The address, the purchase price or current value, what you owe, what you plan to do with the property and how you intend to pay the loan back. That is enough for a written quote. Full-doc income packages are not part of the low-doc programs, which is why a quote arrives in hours rather than weeks.
Request a quote
© WHERE WE LEND BAKERSFIELD · CA
BAKERSFIELD, ROUTED FROM SAN DIEGO HQ.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE BAKERSFIELD · CA
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(619) 617-2797
