© WHERE WE LEND SIMI VALLEY · CA
HARD MONEY LENDER SIMI VALLEY
Direct private capital for Simi Valley investors, underwritten on the property and funded from San Diego.
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
Simi Valley sits at the eastern end of Ventura County, separated from the San Fernando Valley by the Santa Susana Pass and functioning as a commuter market for both sides of the ridge. Wood Ranch holds the upper-tier housing, the older core lines Los Angeles Avenue, and the Reagan Library on the hill anchors the city's identity.
Loan Goat funds Simi Valley deals the way it funds California deals generally, on the asset. Ventura County is the working radius, and the same terms extend to Thousand Oaks, Santa Clarita and Oxnard when the next opportunity lands one town over.
Being headquartered in San Diego is an advantage on a Simi Valley 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 SIMI VALLEY · CA
WHAT DO SIMI VALLEY HARD MONEY LOANS COST
Pricing a Simi Valley 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 Simi Valley 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 are the published ranges, not a teaser. Where a Simi Valley 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 SIMI VALLEY · CA
WHY LOAN GOAT IN SIMI VALLEY
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Certainty is the product. A Simi Valley borrower gets written terms, in-house capital and one person who can say yes. Nothing is sold to a warehouse line mid-process and nothing is re-priced at the closing table, which is why the review record reads 5.0 across 150+ reviews.
Ranch and split-level tract homes from the 1960s and 1970s form the core inventory, generally single story on flat, well-sized lots. Newer hillside product fills Wood Ranch and the northern slopes, with modest business park and flex buildings near the arterials. That stock is exactly what the bridge and fix and flip programs are built for.
Renovating 1960s and 1970s ranch homes for owner-occupant buyers is the primary play, since finished product sells to commuters from both counties. Buy-and-hold works on the same stock, and light industrial near the corridors suits investors wanting a commercial position. 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
SIMI VALLEY DEALS, FUNDED FROM SAN DIEGO.
Ventura 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 SIMI VALLEY · CA
MOST COMMON SIMI VALLEY LOAN SCENARIOS
- 1031 EXCHANGE Bridge money that lets a Simi Valley replacement property close inside the 45 and 180 day windows.
- AUCTION & HUBZU Simi Valley auction buys where the deposit is up and the clock is already running.
- BANKRUPTCY BUYOUT Buying out a partner or a plan on Simi Valley real estate, funded on the equity in the asset.
- BANK STATEMENT LOANS Deposits instead of tax returns for self-employed buyers working Ventura County.
- FORECLOSURE AUCTION Courthouse and trustee sale purchases in Ventura County, funded on the asset and the plan.
- FOREIGN NATIONAL Foreign national buyers acquiring Simi Valley investment property without a US credit file.
- NON-WARRANTABLE CONDOS Non-warrantable Ventura County condo units where the HOA or the investor concentration killed the conventional loan.
- SELF-EMPLOYED Business owners buying in Simi Valley whose write-offs make a bank file impossible.
- VACATION RENTAL Simi Valley vacation rental purchases where the projected income does the work.
- CASH OFFERS ONLY Sellers in Simi Valley who will only look at cash get a proof of funds that holds up.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN SIMI VALLEY
- 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 SIMI VALLEY · CA
PROPERTY TYPES WE FINANCE IN SIMI VALLEY
- INDUSTRIAL & WAREHOUSE Warehouse and flex space in and around Simi Valley, purchase, refinance and cash-out.
- HOSPITALITY: HOTEL & MOTEL Motel and boutique hotel repositioning in Simi Valley bridged to an SBA or conventional exit.
- LAND Entitled and unentitled parcels around Simi Valley on the land program.
- AGRICULTURAL Agricultural land and operations outside Simi Valley underwritten on the asset.
- CANNABIS Cannabis-use property in Simi Valley where conventional lenders will not participate.
- AUTOMOTIVE & GAS STATION Ventura County fuel and automotive sites, purchase and refinance.
© THE APPROACH SIMI VALLEY · CA
HOW WE LEND IN SIMI VALLEY
Read the table as a promise rather than a pitch. On a Simi Valley 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
SIMI VALLEY BORROWERS, IN THEIR WORDS
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This team is equipped with professional, knowledgeable, patient, friendly, and responsive members! We were able to purchase our first investment property with the help and guidance of Milad and his team. They answered our questions...
GABI JUACHE -
Milad is the best in the game! My deal would not have happened without him. He performed at a 10 and was more hands on than I could ever ask for. Definitely recommend!
ASHLEY ANDREOTTI -
I referred my friend over to Milad and while they weren't ready to do a fix and flip just yet, Alex told me Milad was the first lender that actually explained the process, how constructions loans work, and answered all their questions. She...
MELANIE SANCHEZ -
This team is equipped with professional, knowledgeable, patient, friendly, and responsive members! We were able to purchase our first investment property with the help and guidance of Milad and his team. They answered our questions...
GABI JUACHE -
Milad is the best in the game! My deal would not have happened without him. He performed at a 10 and was more hands on than I could ever ask for. Definitely recommend!
ASHLEY ANDREOTTI -
I referred my friend over to Milad and while they weren't ready to do a fix and flip just yet, Alex told me Milad was the first lender that actually explained the process, how constructions loans work, and answered all their questions. She...
MELANIE SANCHEZ
© QUESTIONS SIMI VALLEY · CA
SIMI VALLEY 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 Simi Valley and across Ventura 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 Simi Valley 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 Simi Valley 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 Ventura County. Owner-occupied has its own program. If the Simi Valley asset produces or will produce value, there is usually a structure for it.
Property types -
Interest-only payments keep carrying costs down on a Simi Valley renovation while the work is underway. Ventura County projects are underwritten on the property and the exit, not on your documentation stack. Bridge pricing starts at 9.00% with no prepayment penalty, so a fast sale does not get punished. Call to size it.
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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 -
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 -
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 SIMI VALLEY · CA
SIMI VALLEY, 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 SIMI VALLEY · CA
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(619) 617-2797
