Owner Occupied Business Purpose Loans
Reliable Capital for Smart Investors
At Lantzman Lending, we specialize in Fix and Flip loans designed for California’s fast-paced real estate market. Whether you’re an experienced investor or taking on your first rehab project, our goal is simple: provide fast, flexible funding that helps you close confidently and turn a profit.
We’re not just another lender—we’re private money experts who understand California real estate from the inside out. From San Diego to Sacramento, we’ve been providing tailored financing solutions since 1990.
- Investment Properties Only
- Close as fast as 3-5 days
- Higher leverage for seasoned borrowers
- First Time Flippers Welcome
- We work with brokers and pay commissions
- True common sense underwriting
- California based – California focused
Fast, Flexible Fix & Flip Financing for California Real Estate Investors
Navigating the dynamic California real estate market requires agility and access to reliable financing. Our Fix and Flip Loans are designed to empower investors to purchase, renovate, and resell or refinance quickly into a permanent loan. We offer the ability to scale your flipping business or create a rental portfolio with value added equity. Our loan process is built to help you make aggressive offers and close quickly. No appraisals and same day approvals allow you to get your offers accepted the same as cash…
What Are Fix and Flip Loans?
A Fix and Flip loan is a short-term, asset-based loan that helps investors acquire, renovate, and sell properties for a profit. These loans are often referred to as hard money loans and are based more on the after-repair value (ARV) of the property than your credit score or tax returns.
Lantzman Lending provides true private money—no middlemen, no red tape, and direct access to decision-makers.
NEW TO FLIPPING? NO FLIPPING EXPERIENCE? NO PROBLEM! CLICK BELOW!
Why Choose Our Fix and Flip Loans in California?
Time is of the essence in real estate investments. Our streamlined process ensures:
- Same-day approvals once we receive the application and supporting documents: Quick decision-making to seize opportunities.
- Funding within 5–10 business days: Ensuring that you can make aggressive offers and close on time.
We offer flexible terms to suit diverse investment needs:
- Loan Amounts: Ranging from $100,000 to $5 million.
- Loan-to-Value (LTV): Up to 90% of the purchase price.
- After Repair Value (ARV): Financing up to 70% of ARV.
- Interest Rates: Starting at 8.99% to 11% for Fix & Flip loans, interest-only payments
- No Pre Payment Penalties or Minimum Interest
- Loan Terms: Typically 6 to 24 months, with extensions available
Our services span the entire state, including:
- Southern California: Los Angeles, San Diego, Orange County, Riverside.
- Central California: Fresno, Bakersfield, San Luis Obispo.
- Northern California: San Francisco Bay Area, Sacramento, San Jose.
We understand that each project is unique. Our loan programs cater to various scenarios:
- Property Types: Single-family homes, multi-family units, condos, townhouses.
- Project Types: Distressed properties, foreclosures, short sales, REOs.
- Borrower Profiles: First-time investors, seasoned flippers, LLCs, and corporations.
The Fix and Flip Loan Process
Step 1:
Contact us by phone or email
Provide details about the property, renovation plans, and your investment experience to get a quote the same day.
Step 2:
Loan Evaluation & Quote
Our team assesses the property's current value, ARV (after repair value, and your proposed budget to determine loan eligibility & we will send you a quote quickly.
Step 3:
Apply & get approved
Fill our easy application with limited information & provide a few documents that allows our team to quickly evaluate qualifications and get you a approved as fast as 24 hours.
Step 4:
We Get your loan close Quickly
Once your loan is approved, our team will reach out to escrow and get a settlement statement and prelim title report. We can have your loan documents out for signing as fast as we can gather those items.
FREQUENTLY ASKED QUESTIONS
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, no problem. If you have good credit and some reserves to the the project to the finish line, then we can help you fund your first fix flip. We also consider construction, real estate, and homeownership experience when evaluating your loan. This allows us to lend to new investors with the right borrower profile.
We can close as fast and escrow and title can get us a prelim title report and estimated settlement statement. We are a direct lender and we have funds available. We don’t look for individual investors for each loan as funds are needed. This means we are there for you when you find the right deal and we can close quickly to help you make aggressive offers.
We conduct an in house valuation that involves gathering a photos and a scope of work for renovations that can be completed quickly. Often times we can complete our valuation process in 24 hours or less once we have your application and supporting documents.
Yes, yes, and yes. We allow creative financing options that include all of these options. Call or email us to discuss your unique scenario.
Recently Funded
$360,000 Las Vegas Fix and Flip Loan – Funded in 6 days!
San Diego Investor Adds 10 Units with $2.6M Commercial Hard Money Loan
No Time Wasted: 42 Days to Market in Santa Maria
Fast & Profitable: This San Diego Fix & Flip Was Completed in 90 Days!
Jarupa Valley Success: A Shining Example of How to Conduct a Fix & Flip
Partner with Us for Your Next Investment
Our commitment is to support your real estate ventures with financing solutions that are fast, flexible, and tailored to your needs. With extensive experience in the California market, we are your trusted partner in achieving investment success.
