Hard Money Lender — Long Beach
Long Beach Is a Landlord's Town. We're a Landlord's Lender.
Few cities in California carry Long Beach's density of small rental property — pre-war fourplexes in Alamitos Beach, craftsman streets in Wrigley and Rose Park, stucco eights near the traffic circle. We fund the investors who buy, fix, and hold them, with asset-based underwriting and closings in days.
Small multifamily, fix & flip, bridge, ADU, probate, and cash-out loans from $50K to $5M across Long Beach and the Gateway Cities — closing in as few as 7 days.
Why CDF in Long Beach
A Direct Lender That Knows Long Beach and the Gateway Cities
Long Beach rewards investors who understand its patchwork: California Heights and Bixby Knolls trade differently than Belmont Shore; a fourplex off Cherry is a different deal than one near the beach; and the pre-war stock that gives the city its character comes with pre-war plumbing, wiring, and surprises. Value-add multifamily here is a renovation business as much as a rental business — and it needs a lender who funds the renovation, not just the purchase.
That's our lane. We fund up to 75% ARV on rehabs with draws, bridge acquisitions that can't wait for a bank, and business-purpose cash-out against stabilized units to buy the next building. Long Beach has also embraced ADUs and garage conversions, and our dedicated ADU program — 75–85% LTC with milestone draws — fits the city's alley-loaded lots. Over $200M deployed, 500+ California transactions, decisions from the people writing the check.
Every Program. Every City.
- Closings in as few as 7 business days
- Loan amounts from $50K to $5M
- Asset-based underwriting — no credit minimums
- No tax returns required
- Direct decisions from the people funding the loan
- 24-hour response on every inquiry
Long Beach Lending
What We Fund in Long Beach and the Gateway Cities
Local market knowledge isn't a slogan — it's how the deals actually get underwritten.
Pre-War Multifamily Value-Add
Fourplexes to small apartment buildings in Alamitos Beach, Rose Park, and downtown — buy, renovate unit by unit, refinance or sell. Capital structured for the turn schedule.
Craftsman District Flips
Wrigley, California Heights, and the historic districts reward respectful renovations. Up to 75% ARV with rehab draws, underwritten by people who know these blocks trade on character.
ADUs & Garage Conversions
Alley-loaded lots and strong rental demand make Long Beach an ADU market. 75–85% LTC with milestone draws for detached units, conversions, and JADUs.
Port & Logistics Operators
Owner-operators and trades built around the port economy — strong cash flow, complicated tax returns. No tax returns required; the property qualifies.
Probate & Estate Property
Long-held Long Beach homes and rental buildings routinely pass through probate. Court timelines, administrator authority, and attorney coordination are familiar ground.
Foreclosure Intervention
Trustee sale looming anywhere in the Gateway Cities? We move on foreclosure timelines — paying off the foreclosing lender so the owner can exit on their terms.
Loan Programs
Every CDF Program, Available in Long Beach
Eight specialized programs — one direct lender.
Service Area
Cities We Serve in Long Beach and the Gateway Cities
A representative list — we lend county-wide, and everywhere else in California.
Common Questions
Long Beach Lending FAQs
Do you lend on small apartment buildings in Long Beach?
Yes — duplexes through small multifamily are core collateral for us, including pre-war buildings that need real renovation budgets. Bridge, rehab with draws, and cash-out structures from $50K to $5M at conservative loan-to-value.
You're in West Covina — can you really serve Long Beach?
Yes. We've lent across Los Angeles County since 2009, and Long Beach is an easy drive down the 605 from our office. Same-week property visits, direct underwriting, and 7-day closings don't require a storefront on Pine Ave.
Do you finance ADU projects in Long Beach?
Yes — our dedicated ADU program runs 75–85% loan-to-cost with milestone draws for detached units, garage conversions, and JADUs on investment property.
Do you lend on owner-occupied homes?
Our loans are business-purpose loans secured by California real estate — investment property, commercial buildings, and business-purpose transactions. Call (626) 796-1680 and we'll tell you within one conversation whether your scenario fits.
More Service Areas
Lending Across Southern California
Have a Long Beach Deal? Let's Talk.
One call gets you a straight answer and preliminary terms within 24 hours — from a direct lender that's been funding Los Angeles County real estate since 2009.
All loans are business-purpose loans secured by California real estate. Rates, LTVs, and terms are program starting points — final terms are deal-specific. DRE# 01885595 | NMLS# 1159831