© WHERE WE LEND SAN FRANCISCO · CA
HARD MONEY LENDER SAN FRANCISCO
Purchase, refinance and cash-out money across San Francisco and the wider San Francisco County market.
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
Forty-nine square miles with almost nowhere left to build makes San Francisco a renovation and repositioning market, not a development one. The Mission and Bernal Heights trade actively, the Sunset and Richmond hold block after block of similar row houses, Bayview carries the lowest basis in the city, and SoMa is where commercial repositioning money is looking.
Investment property in San Francisco qualifies under every program listed here, and so does property in Daly City, Oakland and Berkeley. San Francisco County is one line on a term sheet, not a separate approval process.
A San Francisco investor gets a direct line to the lender. No intake team, no file handed down a chain, no bank underwriter three weeks out. Written terms come first, then title and escrow, then the wire, usually inside a week.
© THE COST SAN FRANCISCO · CA
WHAT DO SAN FRANCISCO HARD MONEY LOANS COST
There is no San Francisco rate sheet separate from the national one. Bridge from 9.00%, up to 75% LTV on residential, one or two year terms, and loans from $150,000 to $25,000,000 on business purpose files. The property and the exit set the number, not the ZIP code.
A San Francisco file gets a full written term sheet up front: rate, leverage, term, points and conditions. Nothing gets re-traded at the table. No prepayment penalty on bridge, minimal documentation, and funding in five to seven days.
| 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 are the published ranges, not a teaser. Where a San Francisco deal lands inside them depends on the property, the leverage and the exit. The fastest way to a real number is the address, the price and the plan.
© WHY LOAN GOAT SAN FRANCISCO · CA
WHY LOAN GOAT IN SAN FRANCISCO
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Working with a direct lender on a San Francisco deal removes the layers. There is no broker marking up the file, no correspondent shopping it and no investor behind the investor. One lender, its own capital, one set of terms.
Victorian and Edwardian flats, two to four unit buildings stacked on narrow lots, 1920s through 1940s row houses across the western neighborhoods, and older office and warehouse buildings south of Market with conversion potential. All of it is financeable, purchase, refinance or cash-out.
Renovation and repositioning of two to four unit buildings is the classic San Francisco move, since the same footprint can serve several income streams. Commercial bridge for repositioning plays, and bridge to $25,000,000 for larger assets. Bridge for the buy, construction for the build, DSCR for the hold: the same three doors most of these plays run through.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
SAN FRANCISCO DEALS, FUNDED FROM SAN DIEGO.
San Francisco 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 SAN FRANCISCO · CA
MOST COMMON SAN FRANCISCO LOAN SCENARIOS
- 1031 EXCHANGE Exchange deadlines do not move, so San Francisco replacement purchases get funded on the calendar, not on a bank's.
- AUCTION & HUBZU Auction and Hubzu purchases in San Francisco County funded on the short settlement clocks those platforms run.
- BANKRUPTCY BUYOUT Payoff money to clear a bankruptcy or partner buyout on a San Francisco property before the deadline.
- BANK STATEMENT LOANS Bank statement underwriting for San Francisco investors whose returns do not show the income the deal actually produces.
- FORECLOSURE AUCTION San Francisco foreclosure buys where the money has to be certain before the gavel.
- FOREIGN NATIONAL No US credit history and no domestic tax returns is a normal San Francisco file here.
- NON-WARRANTABLE CONDOS Condos in San Francisco that agency guidelines will not take, financed on their own merits.
- SELF-EMPLOYED Self-employed San Francisco investors underwritten on the property instead of two years of returns.
- VACATION RENTAL Short-term rental acquisitions and refinances in and around San Francisco, underwritten on the asset.
- CASH OFFERS ONLY Cash-equivalent certainty for a San Francisco offer that has to beat financed competition.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN SAN FRANCISCO
- 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 SAN FRANCISCO · CA
PROPERTY TYPES WE FINANCE IN SAN FRANCISCO
- MULTI-FAMILY Duplexes through apartment buildings across San Francisco on bridge, DSCR and commercial programs.
- MANUFACTURED HOMES Manufactured housing and park acquisitions in the San Francisco market.
- ASSISTED LIVING Assisted living and residential care facilities in San Francisco, purchase or refinance.
- AGRICULTURAL Working farmland in San Francisco County financed where a bank will not.
- CANNABIS San Francisco County cannabis real estate on private terms.
- AUTOMOTIVE & GAS STATION Service stations and automotive property in the San Francisco market.
© THE APPROACH SAN FRANCISCO · CA
HOW WE LEND IN SAN FRANCISCO
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 San Francisco 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
SAN FRANCISCO BORROWERS, IN THEIR WORDS
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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 -
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
© QUESTIONS SAN FRANCISCO · CA
SAN FRANCISCO 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 San Francisco and across San Francisco 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 San Francisco 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 San Francisco 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 San Francisco County. Owner-occupied has its own program. If the San Francisco asset produces or will produce value, there is usually a structure for it.
Property types -
Yes. Business purpose bridge runs up to 75% loan to value and up to $25,000,000, which fits the size of many San Francisco assets. Whether the collateral sits in San Francisco County as a multi-unit building or a commercial repositioning, we underwrite the asset and the plan. In-house capital, one decision maker, no committee.
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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.
Bridge loan terms -
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.
Self-employed borrowers -
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 -
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
© WHERE WE LEND SAN FRANCISCO · CA
SAN FRANCISCO, 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 SAN FRANCISCO · CA
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