California Fix & Flip Loans | Hard Money LendeR
At Lantzman Lending, we help real estate investors win deals in ultra-competitive markets. Financing California and Nevada since 1990, we operate as a direct private lender to deliver speed, certainty, and high leverage.
- Same-Day Approvals & flexible underwriting
- No Appraisals Required to get to the closing table
- In-House, Cost-Free construction draws
Whether you’re in San Diego, LA, or Sacramento, we give you the insider edge to compete like a cash buyer and close fast.
Rates Starting at 8%
Up to 90% Loan to Cost
100% of Rehab Financed
Loan Terms from 6-24 months
Up to 75% of ARV
Loan Amount $50k up to $5M
Fast, Flexible Fix & Flip Financing for Real Estate Investors
Navigating today’s dynamic California real estate market requires agility and access to reliable capital. Our fix and flip loans are specifically built to empower investors to purchase, renovate, and transition out of distressed properties quickly. Because we skip traditional appraisals, we can frequently issue final loan documents for signature in as little as 3 days, helping you make aggressive, winning offers.
When it comes to flexibility, we offer true common-sense underwriting. We provide owner-builder options, flexible entity vesting (LLC, Corp, or Trust), and fast, cost-free fund control that keeps your project moving forward without administrative lag. Best of all, we allow you to pay your subcontractors and laborers directly.
We can generate a pre-approval letter for your property offer in minutes. Call our team or fill out our quick online loan request form to get started.
NEW TO HOUSE FLIPPING? NO PROBLEM! CLICK BELOW!
What Are Fix and Flip Loans?
A fix and flip loan is a short-term (6 to 24 months), asset-based hard money loan designed for real estate investors to purchase, rehabilitate, and resell a property for profit. Instead of requiring extensive tax returns or deep income verification like conventional construction loans, hard money underwriting is primarily based on the property’s After-Repair Value (ARV) and the overall profitability of the deal. This structure allows us to offer flexible credit and experience requirements that cater to new investors and seasoned veterans alike.
Lantzman Lending provides true private money—which means no middlemen, no institutional red tape, and direct access to decision-makers.
The terms were fair, transparent, and not sketchy — which is rare in this space.
We’ve been working with a lot of lenders lately as we grow our real estate portfolio, and it’s usually an exhausting experience. Overpromising, underdelivering, bait-and-switch tactics, poor communication — you name it. To the point where we joke that “all lenders are liars.”
Lantzman Lending was the complete opposite. Professional, honest, efficient, and truly aligned with our success. That combination is incredibly hard to find.
If you’re an investor looking for a lender who actually does what they say they’re going to do, and does it well — Lantzman Lending is one of the very few I would confidently recommend.
I contacted Landzman. After a few hours they gave me the thumbs up that I could put in the offer. Deal done. Thanks Landzman
The Fix and Flip Loan Process
Step 1:
QUICK PROPERTY CONSULTATION
Contact us by phone or email with details about the property, your renovation budget, and your investment background to get a custom quote the same day.
Step 2:
Rapid Deal Evaluation
Our in-house underwriting team reviews the property’s current value, projected ARV, and scope of work to instantly structure your financing options.
Step 3:
Streamlined Application
Fill our easy application with limited Complete our simple application with minimal documentation. Our direct lending model allows us to issue formal loan approvals quickly.
Step 4:
Fast, Frictionless Closing
Once approved, we coordinate immediately with escrow to secure a preliminary title report and settlement statement, moving your loan to funding as fast as the paperwork allows
FREQUENTLY ASKED QUESTIONS ABOUT FIX & FLIP FINANCING
We don’t have a minimum credit score. We take into account your overall scenario. Taking into account your scenario, experience, and credit to make a common sense decision. We understand the credit reporting systems sometimes don’t tell the whole story. Call or email us today so we can review your unique scenario.
No experience is required. If you have a solid property deal and sufficient reserves to carry the project to completion, we can help fund your first house flip. We also take into account broader construction, real estate, or general homeownership experience during review.
We can close as soon as escrow and title provide the preliminary title report and settlement statement. Because we are a direct lender with institutional capital on hand, we don’t waste time raising individual investor funds for each deal. We’re ready to fund immediately so you can compete with cash buyers.
No. We conduct an expedited in-house valuation using recent property photos and your detailed scope of work. This alternative process allows us to complete evaluations, often within 24 hours of receiving your application files.
Yes, we welcome creative capital structures. We allow co-investors, silent partners, and structured gap funding options to help minimize your out-of-pocket cash requirements.
We provide hard money financing for a wide range of property types, including Single-Family Residences (SFR), Townhomes, Condos, Manufactured Homes on permanent foundations, Multi-Family units (2-4 and 5+), and select Commercial properties.
Heck yes we do! If you have a strong deal but not experience the we will lend to you. If you have no experience we want to see that you have sufficient reserves and solid plan to get to the finish line. Everyone has to start somewhere.
Yes, we allow seller carry loans in 2nd position. If you have situation where the seller is willing to contribute some of your down payment then let’s chat about it!
Unlike many institutional lenders, we allow you to manage the project as an owner-builder using individual subcontractors, day laborers, or a licensed GC. We structure our platform to support your preferred management style.
No. We charge zero fund control setup fees, zero draw fees, and zero hidden inspection costs. We offer fast, next-day draw turnarounds to keep your contractors paid and your job site operating without delays.
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Partner with California’s Trusted Private Lender
Our commitment is to support your next real estate deal with hard money financing solutions that are fast, dependable, and customized to your strategy.
