Fix and Flip Loans | Private Money Financing for Property Investors & Rehab Projects
San Francisco, CA
Hard Money Loans In San Francisco, CA
Fast, flexible financing for Bay Area real estate investors. Whether you're rehabbing a Victorian in the Mission or breaking ground on new construction in Oakland, Groundfloor Lending helps you move quickly in one of the most competitive markets in the country.
Serving Bay Area Investors From Mission to Pacific Heights
We understand the complexity of real estate investing in the Bay Area. From Mission District and Bernal Heights to Oakland, Daly City, and Pacific Heights, we provide private capital solutions tailored to California’s challenging regulatory environment.
San Francisco, CA
Why Bay Area Investors
Choose Groundfloor Lending
California investors face high prices, tight timelines, and detailed permit requirements. Our team brings deep experience navigating:
Seismic retrofit and inspection requirements
Zoning and permit timelines
High-value project underwriting
What To
Expect
Close in as little as 7 to 10 days
Capital for both experienced and first-time investors
Transparent terms with no prepayment penalties
We’ve funded residential and mixed-use projects across the region, including San Francisco, Alameda, and Marin counties.
San Francisco, CA
San Francisco
Hard Money Loan Options
Fix & Flip
Loans
Modernize or restore iconic Bay Area properties.
Finance up to 85% of purchase + 100% of rehab
Interest-only payments during renovations
6–18 month terms with extensions available
Rental property
Loans
Expand your portfolio with long-term rental financing.
No personal income verification required
LTV up to 80% for cash-flowing assets
New construction
Loans
Build or expand your footprint in the Bay Area.
Full construction financing for approved projects
Draws matched to inspection milestones
Optional conversion to long-term rental loan
San Francisco, CA
Thinking about
your next move in California?
Explore local trends, neighborhood insights, and savvy investor strategies tailored to California’s fast-moving market.
The Bay Area’s limited inventory and high costs make experience and capital critical. Our team understands how environmental restrictions, historic districts, and local permitting can affect your deal timeline.
We structure loans to account for those realities, ensuring you’re not delayed by red tape.
Philadelphia, PA
Your San Francisco
Hard Money Loan Process
Required Documentation
to begin
Property address and purchase agreement
Renovation scope or construction budget
Experience summary (especially for CA. projects)
Exit strategy or long-term plans
What
to Expect:
Initial Call: Talk through your deal and timeline
Property Review: Evaluate comps, value, and project scope
Loan Structuring: Build terms based on project details
Document: Streamlined submission and review
Deal closing: Fast funding to launch your project
Real Estate Loan FAQs | Groundfloor Lending Borrower Questions Answered
Have questions?
San Francisco
Hard Money Loan FAQ
What types of properties can I finance?
We fund single-family, multi-family, condos, and select mixed-use properties throughout San Francisco and the greater Bay Area.
How quickly can I close?
Most borrowers close in 7–10 business days, even in high-regulation areas like San Francisco or Berkeley.
How much down payment is required?
Most fix and flip loans require 15–25% down. We offer up to 85% of purchase plus full rehab financing for qualified investors.
Do you offer DSCR loans in the Bay Area?
Yes. Our rental loans are built for high-value markets like San Francisco, Oakland, and San Mateo.
Can I get a hard money loan for Philadelphia rental property purchases?
Yes. Our rental property loans and DSCR loans are purpose-built for investors acquiring income-producing rental properties in the Philadelphia marketplace.
Which locations do you serve?
We lend across San Francisco, Oakland, Daly City, Fremont, Berkeley, San Mateo, and more.
Philadelphia, PA
Start Your Next
Bay Area Investment
Don’t let California’s tight lending environment cost you a great deal. Talk with our team about your next project and secure the fast, reliable capital you need.
Proudly financing investors across the San Francisco Bay Area.
