© WHERE WE LEND HAYWARD · CA
HARD MONEY LENDER HAYWARD
A direct lender for Hayward deals that banks will not touch, priced on the asset, not the paperwork.
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
Hayward sits mid-East Bay between Oakland and Fremont, a transit-served market with two BART stations and a state university on the hill. Downtown around B Street has been steadily reworked, the Hayward Hills hold the view stock, and the flats toward Mt. Eden and the shoreline carry the older working inventory investors renovate.
Loan Goat funds Hayward deals the way it funds California deals generally, on the asset. Alameda County is the working radius, and the same terms extend to Fremont, Oakland and San Mateo when the next opportunity lands one town over.
Being headquartered in San Diego is an advantage on a Hayward deal, not a limitation. The capital is in house, the underwriting is done by the people who fund the loan, and the answer comes back in hours. A 5.0 Google rating across 150+ reviews is the record on delivering that.
© THE COST HAYWARD · CA
WHAT DO HAYWARD HARD MONEY LOANS COST
Cost on a Hayward file is a function of the deal, not the market. Bridge opens at 9.00%. Residential runs to 75% LTV and commercial to 70%, on one or two year terms, and a clean file closes in 3 to 14 days.
The written quote comes before the appraisal, and it holds. For a Hayward deal on a clock, that is the difference between a real number and an indication. Prepay is free on the bridge programs, which matters when the plan is to be out inside a year.
| 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 Hayward 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 HAYWARD · CA
WHY LOAN GOAT IN HAYWARD
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Banks underwrite the borrower. Loan Goat underwrites the property. On a Hayward deal that means a self-employed investor, a recently formed LLC or a file with a complication on it is not automatically dead. The asset, the leverage and the exit carry the decision, and the answer comes back in hours instead of a month.
Post-war stucco bungalows and 1950s tract fill the flats, mid-century and split-level homes climb the hills, and 1960s and 1970s garden apartment buildings sit along the main corridors. Industrial and flex buildings cluster near the shoreline and the rail line. None of that is unusual here; it is the normal book.
Small multifamily near BART and Cal State East Bay is the durable play, with student and workforce demand supporting it. Renovate-and-hold on flatland bungalows works, and Alameda County industrial conversion appeals to investors with a longer timeline. Bridge covers the acquisition, fix and flip covers the work and the rental program takes it out.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
HAYWARD DEALS, FUNDED FROM SAN DIEGO.
Alameda 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 HAYWARD · CA
MOST COMMON HAYWARD LOAN SCENARIOS
- 1031 EXCHANGE Bridge money that lets a Hayward replacement property close inside the 45 and 180 day windows.
- AUCTION & HUBZU Hayward auction buys where the deposit is up and the clock is already running.
- BANKRUPTCY BUYOUT Buying out a partner or a plan on Hayward real estate, funded on the equity in the asset.
- BANK STATEMENT LOANS Deposits instead of tax returns for self-employed buyers working Alameda County.
- FORECLOSURE AUCTION Courthouse and trustee sale purchases in Alameda County, funded on the asset and the plan.
- FOREIGN NATIONAL Foreign national buyers acquiring Hayward investment property without a US credit file.
- NON-WARRANTABLE CONDOS Non-warrantable Alameda County condo units where the HOA or the investor concentration killed the conventional loan.
- SELF-EMPLOYED Business owners buying in Hayward whose write-offs make a bank file impossible.
- VACATION RENTAL Hayward vacation rental purchases where the projected income does the work.
- CASH OFFERS ONLY Sellers in Hayward who will only look at cash get a proof of funds that holds up.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN HAYWARD
- 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 HAYWARD · CA
PROPERTY TYPES WE FINANCE IN HAYWARD
- MULTI-FAMILY Two to four unit buildings and small apartment stock in Alameda County, purchase or cash-out.
- MIXED-USE Retail-over-residential buildings in Hayward commercial corridors, up to 70% LTV.
- RETAIL Strip centers and free-standing retail in Alameda County with a repositioning plan.
- OFFICE Hayward office assets being repositioned or bridged to a conventional exit.
- SELF-STORAGE Hayward storage facilities, stabilized or in lease-up.
- LAND Entitled and unentitled parcels around Hayward on the land program.
© THE APPROACH HAYWARD · CA
HOW WE LEND IN HAYWARD
Read the table as a promise rather than a pitch. On a Hayward deal it means the leverage quoted is the leverage funded, the timeline quoted is the timeline delivered, and the person who priced the file is the person who releases the money.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
HAYWARD 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 HAYWARD · CA
HAYWARD 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 Hayward and across Alameda 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 Hayward 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 Hayward 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 Alameda County. Owner-occupied has its own program. If the Hayward asset produces or will produce value, there is usually a structure for it.
Property types -
Loan Goat does, funding Hayward purchases in five to seven days from in-house capital. One decision maker signs off, so an Alameda County contract does not stall while a committee meets. Bridge, multifamily, commercial and rental programs are all available, up to 75% LTV on bridge, with no prepayment penalty. Call with the address and your timeline.
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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 -
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
© WHERE WE LEND HAYWARD · CA
HAYWARD, 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 HAYWARD · CA
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(619) 617-2797
