HARD MONEY LENDER ROSEVILLE

Yes. Loan Goat funds investment property in Roseville and across Placer 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 Roseville 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 Roseville 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 Placer County. Owner-occupied has its own program. If the Roseville asset produces or will produce value, there is usually a structure for it.

A clean bridge file can close in as little as three days on a Roseville purchase, with a standard bridge running five to seven. Placer County sellers respond to that kind of certainty. Loan Goat lends its own capital, which removes the committee and the third-party approval chain. Get the address, the contract and your exit strategy together and call to start the file.

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.

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.

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.

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.