Costa Mesa, CA’s Trusted Hard Money Lender for Real Estate Investors

Real estate investors know that timing separates profitable deals from missed opportunities. Unitas Funding provides fast, flexible private loans for Costa Mesa real estate investors to close deals in as little as 10 days. Traditional bank financing moves too slowly for competitive properties.

Our Costa Mesa hard money lenders partner in your growth as more than hard money lenders. Unitas combines institutional capital with entrepreneurial thinking. Our asset-based lending focuses on property potential instead of rigid approval requirements.

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Fast, Reliable Capital for Your Next Real Estate Deal

Costa Mesa's competitive market demands speed without sacrificing certainty. Our direct lending model means your approval comes from the team that funds your loan. We enable pre-approvals in 24 hours and closings within 7-10 business days.

Fix & Flip Loans

Fix & Flip Loans

Costa Mesa's diverse housing stock creates consistent fix-and-flip opportunities. Unitas provides short-term financing with loan-to-cost ratios up to 92.5%. We offer unlimited draw requests with a 24- to 48-hour turnaround.

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New Construction Loans

New Construction Loans

Ground-up construction projects require lenders who understand development timelines. Unitas specializes in new construction financing for residential projects. Our construction loans provide staged funding tied to milestones.

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Bridge Loans

Bridge Loans

Gap financing solves critical timing challenges for investors. Unitas bridge loans provide 12-month terms with speed and flexibility. Investors use our bridge loans to capture time-sensitive opportunities.

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DSCR Loans

DSCR Loans for Rental Properties

Building a rental portfolio shouldn't require endless income documentation. Unitas DSCR loans qualify based on property cash flow instead of W-2s. This approach focuses on property income generation potential.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner
    Unitas delivers institutional credibility with entrepreneurial agility. Our Costa Mesa hard money lenders make decisions quickly because we own our capital. You get security combined with responsive service.

  2. More Ways to Say ‘Yes’ to Your Deal
    Traditional lenders operate within rigid boxes. Unitas builds financing around your project. Our team evaluates deal fundamentals instead of standardized criteria.

  3. Certainty from a Direct Lender
    Working with Unitas means working with your actual lender. We own our capital and make our own decisions. Your approval provides funding certainty.

  4. Faster Funding, Faster Draws
    Unitas closes private loans for Costa Mesa real estate investors in 10 days with complete documentation. Our draw process provides a 24- to 48-hour turnaround after inspections.


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Get Pre-Approved in 24 Hours!
Costa Mesa's market moves quickly. Unitas Funding provides same-day pre-approvals for qualified investors. Our team evaluates your deal and provides transparent terms.

Frequently Asked Questions

What types of investment properties do you finance?

Unitas finances business-purpose real estate investments in Costa Mesa. Our hard money lenders fund fix-and-flips, multifamily properties, construction projects, and rental properties. 

How quickly can you close on a Costa Mesa investment property?

Unitas closes loans in 10 business days with complete documentation. Pre-approvals are available within 24 hours. Our direct lending eliminates the extended 30-45-day timelines typical of banks.

What are your loan-to-cost ratios for Costa Mesa fix-and-flip projects?

Unitas provides loan-to-cost ratios up to 92.5% on qualified projects. Rates start at 8.99%. Actual ratios vary based on property type and borrower experience.

Do you require personal income verification for DSCR loans?

No. Unitas DSCR loans qualify based on property cash flow instead of personal income. We evaluate rental income against debt obligations. Personal income history doesn't determine loan approval, but you must have a credit score of at least 600.

What areas of Costa Mesa do you serve?

Unitas Funding serves all Costa Mesa neighborhoods and surrounding Orange County areas. We finance properties throughout Costa Mesa and California. Our lending brings institutional capital to every investment.

Ready to Fund Your Next Costa Mesa Real Estate Investment?

Fast market rewards investors who move decisively with reliable partners. Unitas Funding provides speed, flexibility, and certainty to close more deals. Contact our Costa Mesa hard money lenders today to discuss your next project!

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