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We are direct lenders who are self-funded and, therefore, have the flexibility to provide loans that make sense for borrowers.

When it comes to a residential bridge loan, our underwriting decisions are based on the borrower’s hard assets. This means that residential real estate will be used as collateral for the transaction. At Renew Capital, we can close the loans of this type quickly, pending the qualification of the underwriting guidelines.

residential hard money lenders

Why choose Renew Capital among many hard money residential lenders in Los Angeles

We are different from both conventional banks and other private money lenders in our approach. We believe in partnering with those who seek our help and provide a world-class experience, whether your funding is approved or not. Owning investment property in today’s market climate is a feat to be acknowledged, and we value those who come to us by working with them in a professional and empathetic manner.

residential hard money loans

How are we different from bank financing?


Bank Renew Capital
Loan Approval Factors Creditworthiness, income level, financial statements, tax returns, property value, etc. Only residential property assets
Required FICO Score Over 700 Not considered
Documentation Requirements Strict Only property documentation
Upfront Costs Loan application costs, appraisal fees, etc. None
Types of Collateral Investment or owner-occupied properties with the cap rate Only residential investment properties which are not the owners’ primary residence
Loan Approval Time Over 60 days Up to 10 days
residential hard money loans
It’s easy to see why our hard money loans for residential property are a far better alternative to traditional bank financing. We offer a simple application process that doesn’t involve scrutiny of your creditworthiness, is speedy and transparent each step of the way. We are in the advantageous position of being able to offer the best residential hard money solution for your circumstance and customize it to your respective needs.

At Renew Capital, we take pride in making a difference in the field of lending, which can be used to your advantage. Do not miss the opportunity that is open to you! Count on your trusted residential hard money lender in Southern California and finance your future with us!

We Go Beyond Your Typical Lender

RENEW CAPITAL GENERAL LENDING PARAMETERS for 1nd TRUST DEEDS


INTEREST RATES STARTING AT 7.99% interest only
LOAN TO VALUE 60% LTV
COMBINED LOAN TO VALUE 75% CLTV (Refer to 2 nd Trust Deed Parameters)
LOAN AMOUNTS $50,000 – $2,000,000
ORIGINATION FEE 0.50 – 2.0 points, depending on loan size and term
LOAN AMOUNTS $50,000 – $20,000,000
ORIGINATION FEE 2.0 – 4.0 points, depending on loan size and term
EVALUATION/PROCESSING FEE $995
LOAN MATURITIES 1 to 24 months (extensions available)
LOCATION California only
TYPES OF LOANS Acquisition, Refinance and Cash-Out
TYPES OF PROPERTIES Business Purpose and Non-Owner Occupied residential, multifamily, retail, office, industrial, vacant buildings and entitled land
LIEN POSITION First Trust Deeds
PERSONAL GUARANTEE Required
PREPAYMENT PENALTY 0 – 6 months upon loan approval

RENEW CAPITAL GENERAL LENDING PARAMETERS for 2nd TRUST DEEDS


INTEREST RATES STARTING AT 10.99 interest only
COMBINED LOAN TO VALUE 75% CLTV
LOAN AMOUNTS $50,000 – $2,000,000
ORIGINATION FEE 2.0 – 4.0 points, depending on loan size and term
LOAN AMOUNTS $50,000 – $20,000,000
ORIGINATION FEE 2.0 – 4.0 points, depending on loan size and term
EVALUATION/PROCESSING FEE $995
LOAN MATURITIES 1 to 24 months (extensions available)
LOCATION California only
TYPES OF LOANS Acquisition, Refinance and Cash-Out
TYPES OF PROPERTIES Business Purpose and Non-Owner Occupied residential, multifamily, retail, office, industrial, vacant buildings and entitled land
LIEN POSITION Second Trust Deeds
PERSONAL GUARANTEE Required
PREPAYMENT PENALTY 0 – 6 months upon loan approval

Recently Funded Projects

Vision Transformed into Reality

Dennis D.

  • Loan Amount: $369,000.00
  • Loan Type: Refinance
  • Property Type: Industrial
  • Loan-To-Value: 60%
  • Term: 4 months

Antonova A.

  • Loan Amount: $589,500.00
  • Loan Type: Refinance
  • Property Type: Industrial
  • Loan-To-Value: 60%
  • Term: 6 months

JJ Z.

  • Loan Amount: $500,000.00
  • Loan Type: Refinance
  • Property Type: Industrial
  • Loan-To-Value: 60%
  • Term: 12 months

Scott J.

  • Loan Amount: $1,300,000.00
  • Loan Type: Refinance
  • Property Type: Industrial
  • Loan-To-Value: 60%
  • Term: 12 months

JJ Z.

  • Loan Amount: $750,000.00
  • Loan Type: Refinance
  • Property Type: Industrial
  • Loan-To-Value: 60%
  • Term: 12 months

Scott J.

  • Loan Amount: $1,250,000.00
  • Loan Type: Refinance
  • Property Type: Industrial
  • Loan-To-Value: 60%
  • Term: 12 months

Andrey V.

  • Loan Amount: $2,801,000.00
  • Loan Type: Refinance
  • Property Type: Industrial
  • Loan-To-Value: 60%
  • Term: 24 months

Michael N.

  • Loan Amount: $100,000.00
  • Loan Type: Refinance
  • Property Type: Industrial
  • Loan-To-Value: 60%
  • Term: 12 months

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