Chula Vista Real Estate Investor Financing Built for Speed

Secure dependable capital for value-add deals in Chula Vista, CA with direct private lending that matches real-world deal cadence. From quick-close purchases to time-boxed renovations, Unitas Funding helps investors stay competitive in submarkets where pricing, contractor availability, and listing velocity can shift week to week.
We routinely support projects across Chula Vista, CA and nearby communities like San Diego, National City, Imperial Beach, La Mesa, El Cajon, and Coronado. Whether you’re rehabbing a dated single-family in San Diego, executing a light-to-moderate value-add in National City, or stabilizing a rental in Imperial Beach, our loan structures are built around the property and the plan—not a one-size checklist.

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Fast, Reliable Capital

In fast-moving submarkets, reliable capital and clear processes separate winners from wishful offers. As a direct lender backed by institutional capital, Unitas Funding delivers streamlined underwriting, clear conditions, and a closing process designed for investor workflows in Chula Vista, CA. Instead of bank delays, you get decisive term sheets, practical structures, and a draw process aligned to construction milestones.

Fix & Flip Loans

Fix & Flip Loans

Fix & flip investors in Chula Vista, CA use our financing to acquire and renovate properties while keeping cash reserves available for the next deal. We support scopes ranging from cosmetic updates to heavier rehabs, with terms structured around ARV and a realistic project timeline across markets like San Diego and National City.

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New Construction Loans

New Construction Loans

For ground-up or major redevelopment in Chula Vista, CA, our new construction loans can fund lot acquisition and vertical construction with milestone-based draws. Investors building in corridors around Imperial Beach and La Mesa value predictable funding and responsive communication to keep schedules intact.

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Bridge Loans

Bridge Loans

Bridge financing in Chula Vista, CA is designed for transitional assets—refinancing, payoff, or short-term holds while you execute a repositioning plan. Whether you’re solving timing issues in El Cajon or assembling a longer-term takeout strategy near San Diego, bridge capital helps you move without waiting on bank calendars.

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DSCR Loans

DSCR Loans for Rental Properties

DSCR loans in Chula Vista, CA focus on property income so investors can scale rental portfolios without traditional income hurdles. This is a strong fit for stabilized rentals in National City and Coronado, and for investors optimizing leverage while keeping the process efficient.

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What Makes Unitas Funding Different?

  1. The Power of a Bank, The Speed of a Partner
    We pair institutional discipline with investor-friendly speed—so you get rigorous underwriting without the slow committee cadence.

  2. More Ways to Say “Yes” to Your Deal
    We expand the credit box with practical exceptions and deal-based structuring when the collateral and plan support it.

  3. Certainty from a Direct Lender
    Because we lend directly, approvals are clear and consistent—no re-trading, no last-minute surprises from a capital stack you can’t see.

  4. Faster Funding, Faster Draws
    Our draw process is built for execution: responsive inspections, consistent communication, and releases that keep crews working.
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Get Pre-Approved in 24 Hours!
Apply today and secure funding for your next investment property in Chula Vista
Close in as little as 10 days with Unitas Funding.

Frequently Asked Questions

Who qualifies for a hard money loan from Unitas Funding?

Most borrowers in Chula Vista, CA are active real estate investors or builders operating through an LLC or corporation. We focus on the collateral, the budget, and the exit strategy—especially for projects in San Diego and National City where timelines are tight.

What documents do I need to apply in Chula Vista, CA?

To finance a deal in Chula Vista, CA, we typically request a purchase contract (or payoff statement), scope of work, and a basic project budget. For assets around Imperial Beach and La Mesa, we also collect entity docs and experience details to align the structure to your plan.

What credit score is required for Chula Vista, CA hard money loans?

We don’t underwrite Chula Vista, CA projects off a single credit threshold. Credit informs pricing and structure, but the property and execution plan—common in San Diego and El Cajon—drive the decision.

Do you work with first-time real estate investors in Chula Vista, CA?

Yes—first-time investors can be approved in Chula Vista, CA when the deal, budget, and support team are strong. We often help newer operators validate scopes and timelines for projects in National City and Imperial Beach.

Do you require income verification for DSCR loans in Chula Vista, CA?

DSCR loans prioritize the property’s cash flow rather than W-2 income, which is useful for scaling rentals in Chula Vista, CA. Investors holding in La Mesa and El Cajon often prefer DSCR for portfolio growth and simplified qualification.

How fast can you approve and close a loan in Chula Vista, CA?

Many Chula Vista, CA borrowers receive initial feedback quickly once we have deal basics and a clear timeline. With valuation and title moving efficiently—common in San Diego and Coronado—closings can occur in as little as ~10 days.

Why choose Unitas Funding for Chula Vista, CA investor financing?

Investors choose us in Chula Vista, CA for direct-lender certainty, transparent conditions, and a process built for execution. That reliability matters when you’re coordinating contractors across National City and Imperial Beach.

How is hard money different from bank financing in Chula Vista, CA?

Banks often require rigid documentation and longer timelines that don’t match competitive Chula Vista, CA deals. Private lending focuses on the asset and plan, which is critical for value-add projects in San Diego and La Mesa.

What areas do you serve beyond Chula Vista, CA?

We lend across Chula Vista, CA and surrounding markets, including San Diego, National City, Imperial Beach, La Mesa, El Cajon, and Coronado. If your project is just outside the core, we’ll confirm eligibility and structure based on the specific submarket dynamics.

What is the application process for a Chula Vista, CA hard money loan?

Start with an application and basic deal details for the subject property in Chula Vista, CA. We’ll review the budget and exit strategy, then coordinate valuation and title—keeping the process moving for projects in Imperial Beach and Coronado.

Ready to Fund Your Next Chula Vista, CA Real Estate Investment?

Arizona's market doesn't slow down, and neither should your capital. At Unitas Funding, we deliver the institutional backing and direct lending speed that wins deals. Whether you're renovating properties, developing spec homes, or building a rental portfolio across the metro area, our hard money lenders provide Arizona real estate investors the leverage and certainty you need to close on schedule. Submit your application now, and let's turn your next opportunity into a funded project!


Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting.