Loan Options
Private Investor Loans
Fast, asset-based capital for real estate acquisitions, equity repositioning, and time-critical transactions.
When speed, collateral flexibility, or complex financial structures prevent you from using institutional bank financing, Private Investor Loans bridge the gap. Secured Lending Group connects residential and commercial real estate investors across California with private portfolio capital and dedicated balance-sheet lenders.
We underwrite based on property equity, asset potential, and your exit strategy—not your personal tax returns or rigid debt-to-income (DTI) ratios.
Why choose this over another loan?
What is a Private Investor Loan?
A private investor loan (also known as private money lending or portfolio bridge financing) is a non-conforming, asset-based mortgage funded by private capital or investment funds rather than government-sponsored entities like Fannie Mae, Freddie Mac, or the FHA. These loans prioritize property equity, borrower liquidity, and project exit strategy over tax returns and strict debt-to-income (DTI) ratios.
Private Investor vs. Hard Money vs. Bank Statement Loans
| Feature | Private Investor Loans | Hard Money Loans | Bank Statement Loans (Non-QM) |
| Primary Focus | Equity + borrower liquidity + exit plan | Strictly distressed property value | Borrower personal/business cash flow |
| Best Used For | Fast purchases, value-add repositioning | Distressed flips, emergency bridge | 30-year residential ownership |
| Loan Duration | 12 to 36 months | 6 to 12 months | 30-year amortizing fixed or ARM |
| Pricing Profile | Moderate private rates; lower points | Highest rates and origination points | Competitive non-QM rates |
| Property Condition | Turnkey, minor rehab, or commercial | Heavy renovation, uninhabitable | Must meet standard appraisal livability |
Common Use Cases for Private Capital
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Winning Time-Sensitive Deals: Close an off-market acquisition or competitive probate sale in 7–10 days while conventional buyers wait 30–45 days for loan approval.
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Cash-Out Equity Extraction: Unlock liquidity from an existing property to fund business expansion, acquire another asset, or resolve partnership buyouts without waiting on tax return reviews.
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Non-Conforming Property Conditions: Finance properties that traditional appraisers decline due to delayed maintenance, deferred repairs, or non-permitted square footage.
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Entities & Foreign Nationals: Borrow directly through your LLC, corporate entity, or trust without US tax returns or traditional domestic credit files.
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Bridge-to-Permanent Financing: Stabilize a newly acquired or renovated rental property before transitioning into long-term DSCR or conventional financing.
4 Steps from Scenario to Funding
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Scenario & Asset Review: Submit property details, current valuation, and project scope. No initial credit hit or invasive documentation required.
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Term Sheet in 24 Hours: Receive clear lending terms detailing your maximum loan amount, LTV, interest rate, points, and closing schedule.
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Expedited Valuation & Title: We coordinate a rapid appraisal or broker price opinion (BPO) and streamline title review.
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Closing & Capital Deployment: Execute closing documents and receive funding in as few as 7 business days.
Frequently Asked Questions
Because private financing is asset-based, there is typically no rigid minimum FICO score. While credit history is reviewed to evaluate past mortgage and debt performance, approvals center primarily on property equity, down payment capital, and your realistic exit strategy.
Yes. Most private investor loans are closed directly in the name of an LLC, Corporation, Partnership, or Trust to protect personal assets and maintain clean business accounting.
Standard transactions close within 7 to 14 business days once clear title and valuation are confirmed. Expedited transactions can close in under 7 days depending on the property’s title complexity.
Because private investor loans are short-term bridge instruments (12 to 36 months), lenders require a clear repayment plan. Standard exit strategies include refinancing into a long-term conventional or DSCR loan once the property is stabilized, or selling the renovated property.
No. Private investor mortgages do not require tax returns, W-2 forms, or debt-to-income calculations. The asset’s equity and your ability to carry monthly interest payments serve as primary qualification.
At a glance
Typical Loan Amounts
$150,000 to $5,000,000+
Loan-to-Value (LTV)
Up to 70% – 75% for purchases; up to 65% – 70% for cash-out
Loan Terms
6 to 36 months (Short-term bridge) or 5 to 7-year mini-perm
Interest Rates & Structure
Interest-only payments (typically 8.5% – 11.5% depending on risk/asset)
Approval & Funding Speed
Initial term sheet in 24–48 hours; closing in 7 to 14 business days
See what you qualify for
Pre-approval takes about ten minutes online and comes back within a day. No cost, no obligation, no effect on your credit score to find out.