Fast funding, local expertise, transparent terms - built for serious real estate investors
Speak with a local lending expert about your next fix & flip opportunity
Most investors struggle with traditional lending that doesn't understand the unique demands of SoCal's competitive market
Traditional lenders take 30-45 days for approval while your perfect deal gets snatched up by cash buyers. In LA's competitive market, speed determines success.
Advertised rates that balloon with points, fees, and surprise costs. What starts as "8%" becomes 12-15% all-in, destroying your profit margins.
Out-of-state lenders using generic formulas that don't account for California's unique market dynamics, permitting complexities, and neighborhood nuances.
Bureaucratic rehab draw systems that delay funding for weeks, leaving contractors unpaid and projects stalled while carrying costs mount.
Capital Direct Funding was built specifically for California investors by California investors. We understand the market, the challenges, and most importantly - how to solve them efficiently and transparently.
Knowledge is power. Here's what every serious investor needs to know about financing their projects successfully.
Most traditional lenders base loans on current property value. Smart fix & flip lenders base decisions on After Repair Value (ARV) - the property's worth after improvements. This approach maximizes your leverage and minimizes cash requirements, but requires expertise in accurate ARV assessment.
In Southern California's expensive market, every month of delay costs thousands in carrying costs. Factor in loan interest, property taxes, insurance, and utilities - time literally equals money. This is why funding speed and efficient draw processes are crucial to profitability.
What sells in Orange County differs from the Inland Empire. Permit processes vary by city. Construction costs fluctuate by region. Successful lending requires deep local knowledge, not just generic underwriting formulas.
Rehab funding is released in stages as work is completed. An efficient draw process keeps projects moving and contractors happy. A slow process can halt progress and balloon costs. Understanding this upfront prevents costly surprises.
Smart investors build buffers: 15-20% construction contingencies, conservative ARV estimates, and multiple exit strategies. Experienced lenders help identify and plan for common pitfalls before they become expensive problems.
California's real estate cycles impact fix & flip success. Understanding seasonal patterns, interest rate trends, and inventory levels helps time entries and exits for maximum profitability. Local expertise provides this crucial market intelligence.
From application to funding in as little as 7 days - here's how we make it happen
15-minute call to understand your project, experience level, and financing needs. We'll determine if we're a good fit and outline next steps.
Streamlined application process focusing on the deal, not endless paperwork. We'll request only what's necessary to make a quick, informed decision.
Our local team evaluates the property and your renovation plans. We'll verify ARV estimates and ensure your numbers make sense for the specific market.
Quick decision with transparent terms. No surprises, no hidden fees. You'll know exactly what you're paying and what you're getting.
We can close in as little as 7 days when needed. Our efficient process and local relationships make the impossible possible.
Responsive draw processing, project check-ins, and market guidance throughout your project. We're partners in your success.
Real feedback from real investors who've successfully funded their projects with Capital Direct Funding
Join successful investors who choose Capital Direct Funding for their Southern California fix & flip financing
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