Ventura County · California

Hard Money Lender in Ventura County

Your next deal might be a tract house that needs work, a small apartment building or a rural lot, and a bank will not wait for the repairs. Hard money is a short loan against the property, and the market changes from one Ventura County town to the next. We match your deal to a lender that funds that kind of property.

NMLS #1277693 Calabasas Road office Licensed in California 100+ wholesale lenders
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Hard money in plain words

Your deal has a property, a plan and a deadline. Hard money is a short loan secured by the property, so the lender studies those three things before it studies your income. It lends a share of the property's value, called the loan to value or LTV, and the lender picks that share.

It fits investors who flip, hold rentals or bridge between purchases. It ends when you sell or refinance into a long term loan such as a DSCR loan. We are a mortgage brokerage and we do not fund loans. We find the lender behind our hard money loans that likes your property, and that lender approves and funds it.

  • Investment property only: not the home you live in
  • Short term: months, with a payoff plan set before closing
  • Property first: the lender reads condition, value and your plan
  • Company friendly: many lenders accept an LLC, and some ask for your personal guarantee
"This county is really several markets. A high balance home in the Conejo Valley, a tract flip and a small building near the coast call for three different lenders. The work is picking the right one."
Advanced Funding Solutions · NMLS #1277693 · Calabasas, CA

Six markets, six kinds of deal

You are buying somewhere between the Conejo Valley and Ojai, and what lenders fund changes along the way. Find the card that looks like your deal.

Tract homes that need work

You want to rehab and resell a tract house in a town like Simi Valley, where that is common. The lender checks your repair plan and what the house should sell for afterward.

Small buildings near the coast

Small apartment and mixed use buildings draw investors in central Oxnard. You buy with a short loan, finish repairs, then refinance into a DSCR loan built on the rent.

High balance homes in the Conejo Valley

You are buying above the conforming limit in a city like Thousand Oaks. Fewer lenders take loans that big, and each sets its own cash reserves. A jumbo loan can replace the short loan afterward.

Old main street buildings

You are eyeing an older building with shops below and rooms above, as in Santa Paula. Lenders decide these by property type, so send photos and your plan early.

Rural and small town homes

You are buying a small house or a rural lot near Ojai. Lenders differ on rural land, so we ask before you spend money on reports.

Buying while you sell

You found the next property before the last one sold. A bridge loan holds the deal until the sale closes and repays it.

See how hard money loans work →

Ask this before you sign

You may not need hard money at all. Can a bank lend on this property today? If yes, take the bank loan, because it costs less. Buyers around Camarillo often use VA loans, and hard money never replaces one for a home you will live in.

Hard money covers investment property only. If you are buying a home to live in, start with our Ventura County mortgage broker page or the VA loans page instead.

What we do once you reach out

Reach out with the address, the price and what you plan to do. The Get a quote in a few minutes.

We ask lenders that fund your kind of property whether they want the deal.

Your lender then values the property, reviews title and writes terms you can read before signing.

Escrow handles closing. Timing turns on the title work and your papers, and we cannot promise a date.

Ventura County borrowers ask

Do you cover the whole county, from Oxnard to Ojai?
Yes. We review investment property across Ventura County, from the Conejo Valley through Camarillo, Oxnard, Simi Valley and Ojai. Each lender picks the property types and towns it likes, so we match your address to the lenders who take it.
Should I look at a bank loan first?
Yes. If a bank will lend on the property and you can wait for it, the bank loan costs less. Come to us when time, condition or the property type rules the bank out.
Which kinds of Ventura County property do lenders fund?
Lenders here look at single family rentals, small apartment buildings, mixed use buildings and homes that need rehab. Each lender decides by property type, condition and your plan, so we ask before you pay for any reports.
Who signs when an LLC holds title?
Many lenders take an LLC borrower. Some also ask the owner for a personal guarantee, which means you promise to repay even though the company holds title. The lender sets those terms, so ask before you commit.
How soon should I plan the payoff?
Before you close. Lenders want a sale date or a refinance path on paper. If you plan to refinance into a DSCR loan or a jumbo loan, we check that loan's rules while we shop the short one.
What if the property values lower than I hoped?
The loan is a share of the value, so a lower value means a smaller loan and more cash from you. Tell us your real numbers up front so the lender's answer holds no surprise.

About our license

Advanced Funding Solutions, NMLS #1277693, is a licensed mortgage brokerage in California. All loans are subject to credit, income, asset, property, and underwriting approval. Equal Housing Opportunity.

Loans to compare first

Hard Money Loans → DSCR Loans → Mortgage Broker, Ventura → Hard Money, LA County → Hard Money, OC → All Loan types → Start a Consultation →

Local pages for four cities

Thousand Oaks → Westlake Village → Simi Valley → Camarillo →

Start with the address

Send us the property and your plan for it. We will tell you which lenders fit, or whether a bank loan does the job for less.

Start a Conversation → (818) 478-2555