Investment Property Loans

Apply for a Loan with Pacific Private Money

If you’re ready to move and want the flexibility to buy before you sell, our team is here to help. Submit your loan request today and discover how our bridge loan can streamline your transition to your next home.

Please complete the form below. Your information will be kept strictly confidential. Once we receive your submission, a team member will contact you promptly. If submitted after business hours or over the weekend, we’ll follow up the next business day.

Prefer to speak with someone directly? Call us at 415-926-4444 during business hours and ask to speak with a loan agent.

Flexible Private Loans for Real Estate Investors

Pacific Private Money offers a suite of real estate loan programs tailored to meet the unique needs of property investors, developers, and builders. Whether you’re flipping homes, building ground-up, or expanding a rental portfolio, our short- and long-term private money loans provide fast, flexible capital to get your projects funded and moving forward.

Investment property loans are asset-based loans secured by non-owner-occupied real estate. Our programs are designed for business or investment purposes and offer faster funding with fewer documentation requirements than traditional lenders. We focus on the value of the asset and the borrower’s experience and exit strategy.

When to Use This Loan

• Acquiring distressed or undervalued investment properties.
• Funding rehab or renovation projects for resale.
• Building new residential or multifamily units.
• Securing short-term financing while repositioning commercial real estate.

Borrower Profile

These loans are designed for:

• Active real estate investors and property developers.
• Builders with shovel-ready construction projects.
• Buy-and-hold investors seeking long-term passive income.
• Real estate professionals acquiring value-add commercial properties.

Programs are available to individuals, LLCs, trusts, corporations, and foreign nationals.

Loan Highlights by Program

Fix & Flip Loans

• Starting Rate: 9.25%
• Max LTV: Up to 90% Purchase | 100% Rehab | 70% ARV
• Loan Term: Up to 18 Months
• Loan Amounts: Up to $7.5M
• Property Types: SFR 1-4 | Multi-family
• Lien Position: 1st & 2nd
• Personal Guarantee: Yes
• Best for short-term renovations and resale

New Construction Loans

• Starting Rate: 9.99%
• Max LTV: Up to 85% LTC | 70% ARV
• Loan Term: Up to 24 Months
• Loan Amounts: Up to $20M
• Property Types: SFR 1-4 | Multifamily | Condos | Select Commercial
• Lien Position: 1st & 2nd
• Personal Guarantee: Yes (Waived or reduced with low leverage or strong performance)
• Ideal for ground-up residential, multifamily, or select commercial projects

Commercial Bridge Loans

• Custom terms and pricing
• Property Types: Office | Retail | Mixed-Use | Light Industrial
• Used for repositioning, value-add, or short-term holding
• Case-by-case structuring for experienced borrowers

Please Note: For mortgage professionals only. This information is intended for the exclusive use of licensed real estate and mortgage lending professionals in accordance with local laws and regulations. Distribution to the general public is prohibited. Program and rates are subject to change without notice. Not available in all states. Terms subject to qualifications.

Where We Lend

Pacific Private Money is licensed to make consumer-purpose loans in the following states:

California, Oregon, Washington, Idaho, Arizona, Colorado, Texas, Georgia, Michigan, and Washington, D.C.

We also fund business-purpose loans in many states that do not require lender licensing for non-owner-occupied investment properties, these states include:

Arkansas, Colorado, Connecticut, Delaware, Florida, Hawaii, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Massachusetts, Michigan, Missouri, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, West Virginia, Wisconsin, and Wyoming.

Please Note: Lending eligibility in certain states may vary based on borrower type (e.g., individual vs. entity), property classification (e.g., residential 1–4 unit vs. commercial), and occupancy status. All loans must be for business or investment purposes and are subject to compliance with applicable state regulations.

Previously Funded Loans