About This Service

Secure private hard money commercial financing for mixed-use, multifamily, office, retail, and rental investment properties across California and the entire nation.

No Documentation Commercial Property Financing in California

• Loan amounts ranging from $100,000 to $5 million.
• Property types include single-family residences, multifamily units, mixed-use, office, and retail.
• All credit profiles are considered.
• Loan-to-value ratios up to 80% for first mortgages.
• Loan-to-value ratios up to 60% for second mortgages, available in California only.
• Loan terms from 6 months to a 30-year fixed, fully amortized schedule.
• Equity-based, stated income loans; no tax returns or W-2 forms required.
• Both owner-occupied and non-owner-occupied properties are eligible.

Our primary focus is the equity in the property, the borrower\'s capacity to make payments, and a viable exit strategy for loan repayment. If we cannot assist you, we will not waste your time and will refer you to another potential lending source.

There are no upfront costs. The application process is straightforward, with rapid approval and funding possible within days.

Contact us today for a complimentary consultation.

Call, text, or email Steve at 951-254-3712 or visit https://www.vfindloans.com/

Please note that each loan is unique. Rates, terms, LTV, and fees depend on factors such as loan amount, credit score, loan-to-value ratio, lien position, property location and type, loan purpose, and borrower repayment capacity. Call 951-254-3712 for specific details.

For 18 years, we have specialized in assisting clients with no-documentation commercial loans, particularly those facing credit challenges, income verification issues, or urgent funding needs due to time constraints. We offer multiple loan programs and have access to a network of conventional, non-conventional, and private hard money lenders. This allows us to structure a loan correctly suited to your situation, saving you valuable research time.

A commercial mixed-use property combines residential and commercial units within a single building or development. Common examples include residential units situated above a retail store or office building. These properties integrate various uses, such as residential, office, retail, automotive, industrial, hotel, and community spaces.

We provide no-documentation commercial private hard money loans for various mixed-use property types, including:

• Mixed-use multifamily buildings
• Mixed-use office buildings
• Mixed-use retail shopping centers
• Mixed-use auto repair garages
• Mixed-use commercial warehouses
• Mixed-use restaurant buildings
• And other commercial mixed-use properties

No-Income-Document Commercial Property Loans and Financing

We offer financing for a wide array of property types, including apartment buildings, auto body repair shops, auto dealerships, anchored strip centers, assisted living facilities, bowling alleys, car washes, churches, commercial warehouses, construction projects, convenience stores, condominiums, congregate care facilities, day care centers, dental offices, fitness centers, funeral homes, garden apartments, golf courses, health clubs, healthcare facilities, hotels, industrial properties, marinas, medical offices, mini storage units, mixed-use properties, motels, mobile home parks, manufactured homes, multi-family homes, nursing homes, office buildings, restaurants, retail spaces, rental properties, SBA loans, schools, self-storage facilities, senior housing, veterinary clinics, animal hospitals, and warehouses.

Hard Money Loans for Owner-Occupied Mixed-Use Property

• Loan amounts from $100,000 to $2 million.
• Up to 90% LTV for purchases.
• Up to 80% LTV for cash-out refinances.
• Up to 60% LTV for second mortgages.
• Loan options include 5/1 ARM, 7/1 ARM, 10/1 ARM, or a 30-year fixed, fully amortized loan.
• All credit profiles accepted.
• Alternative income verification loans available.

Programs include Non-QM, non-prime loans, subprime loans, foreclosure bailout loans, and no-income-verification loans for business purposes only. Alternative income programs feature 12 or 24-month bank statement mortgages, 1099-only income mortgages, P&L statement-only mortgages, verification of employment-only (VOE) mortgages, K1 form income, one-year W2 or tax return, and no-doc, no-income-verification loans for business purposes. Owner-occupied mortgages are available only in California.

No-Doc Commercial Hard Money Second Position Loans for Mixed-Use Property

• Loan amounts from $50,000 to $1 million.
• Up to 60% LTV.
• Terms from 6 to 60 months.
• Competitive interest rates.
• No income verification required.
• Available for non-owner and owner-occupied properties.
• Owner-occupied second position mortgages are available only in California.

Equity-Based Bridge Loans for Mixed-Use Property in Los Angeles

• Loan amounts from $75,000 to $2 million.
• Up to 80% LTV.
• Terms from 6 to 36 months.
• Competitive interest rates.
• All credit profiles considered.
• No income verification or documentation required.
• No DSCR or DTI calculations.

Long-Term Rental Loan Program for Mixed-Use Property

• No-documentation rental property loans.
• Loan amounts from $75,000 to $3 million.
• Available for purchase, refinance, or cash-out.
• Up to 80% LTV.
• Options include 5/1 ARM, 7/1 ARM, 10/1 ARM, or a 30-year fixed, fully amortized loan.
• No income documentation or verification required.
• No DSCR program.

Fix and Flip Rehabilitation Loans

• Loan amounts from $75,000 to $2 million.
• Up to 80% LTV for purchase.
• Up to 100% financing for rehabilitation costs.
• Terms from 6 to 24 months.
• Competitive interest rates.

No-Doc Commercial Property Loans for 5+ Unit Multifamily Properties

• Loan amounts from $100,000 to $10 million.
• Up to 80% LTV.
• Options include 5/1 ARM, 7/1 ARM, 10/1 ARM, or a 30-year fixed, fully amortized loan.
• Competitive interest rates.
• Stated income, no tax returns required.

No-Doc Commercial Loans for Mixed-Use Retail and Office Building Financing

• Loan amounts from $100,000 to $10 million.
• Up to 75% LTV.
• Options include 5/1 ARM, 7/1 ARM, 10/1 ARM, or a 30-year fixed, fully amortized loan.
• Competitive interest rates.
• No-income-document, equity-based commercial loans.
• Stated income, no tax returns required.

There are no upfront costs. The application process is easy, with quick approval and funding in a matter of days.

Contact us today for a free consultation.

Call, text, or email Steve at 951-254-3712 or visit https://www.vfindloans.com/

Please note that each loan is unique. Rates, terms, LTV, and fees depend on factors such as loan amount, credit score, loan-to-value ratio, lien position, property location and type, loan purpose, and borrower repayment capacity. Call 951-254-3712 for specific details.

A mixed-use private hard money loan is an asset-based financing solution where funds are provided based on the equity in a real estate parcel, secured by the property itself. These loans are typically issued by private investors or companies. Private hard money lenders and investors in San Diego, California, are prepared to fund transactions within days. Interest rates and fees for no-doc mixed-use hard money loans are generally higher than those for conventional commercial or residential loans due to the increased lender risk. Most equity-based hard money loans are utilized for projects lasting several months to a few years.

We operate as residential and commercial real estate mortgage brokers, offering loan and financing solutions in Los Angeles, CA, for purchases, refinances, cash-out, and rehabilitation projects. Our portfolio includes single-family (1-4 unit) properties, rental properties, multifamily apartments, mixed-use buildings, retail and office spaces, warehouses, and other commercial properties. We provide conventional full-documentation, lite-doc, no-doc, stated income, and equity-based private hard money loans from lenders in California for first and second position mortgages on owner- and non-owner-occupied properties. For borrowers with credit or income challenges, we also offer non-prime and non-QM mortgage programs. Please note, we do not currently offer 100% financing, zero-down, or no-down-payment mortgage loans.

We provide NO DOC mixed-use property loans and financing in all 50 states: Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan (MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Vermont (VT), Virginia (VA), Washington (WA), West Virginia (WV), Wisconsin (WI), and Wyoming (WY).

We provide hard money commercial loans and financing in Los Angeles, San Diego, Orange County, Riverside, San Bernardino, San Francisco, Fresno, San Jose, Oakland, and nationwide.

Call, text, or email Steve at 951-254-3712. We are a licensed mortgage broker. California Department of Real Estate CA DRE License # 01461770 - NMLS License # 336222.