Everything California real estate investors need to know about hard money and private lending in 2026 — rates, leverage, qualification, county-by-county pricing, exit strategy, and the difference between hard money, bridge, and DSCR. Free, no email required, downloadable as PDF.
This 12-chapter guide covers: what hard money is and how it differs from conventional financing; 2026 California rate and points ranges by program (fix-and-flip, bridge, construction, DSCR); LTC, LTV, and ARV LTV mechanics; the four pillars of qualification (asset, deal, borrower, exit); county-by-county pricing snapshots for Los Angeles, Orange County, San Diego, Bay Area, Sacramento, Riverside, San Bernardino, Fresno, Kern, and more; the six deal types California hard money funds best; how to choose between hard money, bridge, and DSCR for any scenario; exit strategy frameworks; ten mistakes that kill California fix-and-flip deals; how to underwrite a California flip in 30 minutes; the 2026 California market outlook; and a complete glossary.
Yes — completely free, no email opt-in, no signup. The guide is available on the page and can be printed to PDF directly from your browser. It's a free resource we maintain to help California real estate investors make informed financing decisions.
California real estate investors at any experience level — first-time fix-and-flippers, active flippers scaling a portfolio, multifamily syndicators, BRRRR investors, commercial value-add operators, and anyone considering private capital for a California real estate transaction.
Updated May 2026 to reflect current California hard money market pricing. Quoted ranges are illustrative typical pricing for qualified investor borrowers and do not constitute a loan commitment. Final pricing is quoted per scenario by Fidelity Funding underwriting.
Yes — please share the URL or printed PDF with any California real estate investor, REIA chapter, or investor meetup group. We only ask that the content remain unmodified and credit Fidelity Funding Corp as the source.
Fidelity Funding Corp · Direct California private money lender since 2006
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