HARD MONEY LENDER FAIRFIELD

Yes. Loan Goat funds investment property in Fairfield and across Solano 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 Fairfield files are underwritten on the property rather than on where the borrower banks.

Five to seven days is standard and low-doc bridge files have funded in as little as three. The timeline on a Fairfield 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.

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 Solano County. Owner-occupied has its own program. If the Fairfield asset produces or will produce value, there is usually a structure for it.

Private financing works well on Fairfield rentals, particularly when you need to close before a conventional file could clear. Solano County property qualifies on bridge first, then rental property terms once the unit is leased and stabilized. Documentation stays minimal because the asset is what is underwritten, there is no loan committee, and no prepayment penalty follows you into the refinance.

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.

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.

Credit is reviewed, but the property carries the decision. These are business-purpose loans on non-owner-occupied real estate, underwritten to value, exit and the strength of the deal. Investors turned down by a bank for self-employment, a recent event on file or thin documentation are routine business here.

Bridge money runs from 9.00% to 13.00% and moves with leverage, property type, exit and experience. Rental loans price lower because the property carries the debt, from 6.50% on the Non-QM tier. Every quote is written before an appraisal is ordered, so you are never chasing a number that changes at the closing table.