El Cajon, CA's Trusted Hard Money Lender for Real Estate Investors

El Cajon's real estate market moves fast. Properties get snatched up in days, and conventional bank financing that drags on for 30 to 45 days means missing opportunities. We deliver capital in 10 business days or less, so you compete effectively in El Cajon's fast-moving market. We're not here to tell you maybe. We're here to fund deals.

We specialize in private loans for real estate investors in El Cajon and the California region. Whether you're flipping properties, building new construction, securing bridge financing, or scaling a rental portfolio, we focus on your property's value and exit strategy. Backed by $4.5 billion in institutional capital and thousands of successfully funded projects, we deliver reliability and urgency.

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Fast, Reliable Capital for Your Next El Cajon Deal

Competitive El Cajon financing means options. Rates beginning at 8.99%, LTC up to 92.5% on qualifying deals, 24-hour pre-approval turnaround. We design financing for your project's reality, not theoretical scenarios.

Fix & Flip Loans

Fix & Flip Loans

Rehab projects in El Cajon require financing built for the workflow. We underwrite to after repair value, funding both purchase and renovation budgets. Pick 12-, 18-, or 24-month terms structured interest-only. Inspection-to-funding for draws takes 24-48 hours, eliminating delays that cost money.

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New Construction Loans

New Construction Loans

Building in El Cajon means navigating permits, labor costs, and timelines. Our new construction funding covers single-family spec homes and multifamily residential projects. We structure draw schedules around actual construction milestones, not arbitrary calendar dates. With rates starting at 8.99% and terms customized to your build schedule, we bring both capital and construction knowledge from dirt to certificate of occupancy.

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Bridge Loans

Bridge Loans

Timing gaps happen in El Cajon real estate. Maybe you need to close before permanent financing is ready, or you're waiting on another sale to fund your next purchase. Our bridge loans run 6 to 12 months, providing gap financing when opportunities appear. El Cajon investors use bridge products to grab auction properties, secure off-market deals, and transition between investment phases without losing momentum.

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DSCR Loans

DSCR Loans for Rental Properties

Building a rental portfolio in El Cajon shouldn't require endless personal financial documentation. Our DSCR loans qualify on one question: does the rent cover the mortgage? If the numbers work, we fund it. Available for short-term, mid-term, and long-term rentals anywhere in the El Cajon metro. The property's income potential matters, not your tax returns from three years ago.

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What Makes Unitas Different in El Cajon

  1. Bank-Level Capital, Investor-Level Service
    Backed by $4.5 billion in institutional capital, funding is never a question at closing. But we're not a bank drowning in bureaucracy—we're a direct lender built for real estate investors. You get financial stability without committee meetings, policy manuals, and loan officers who've never seen a construction site.

  2. Creative Solutions for Complex Deals
    Traditional lenders have rigid boxes. If your deal doesn't fit perfectly, you're rejected. We evaluate El Cajon deals based on property fundamentals, market conditions, and whether your exit strategy makes financial sense. We customize loan structures around your specific project, not force square pegs into round holes.

  3. No Committees, No Surprises
    We own our capital. We're not brokers shopping your deal around, and we don't sell loans to secondary markets. When we approve your loan, that approval is final. No surprise committee reviews, no funding falling through three days before closing, no last-minute changes.

  4. Timelines That Match Reality
    Closing in 10 business days gets you into the property. Our draw requests process in 24 to 48 hours after inspection completion. Your El Cajon renovation or construction project moves at the speed of actual work, not bureaucracy. Most projects need about 10 draws, and every one gets processed with the same urgency as initial funding.

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Get Pre-Approved in 24 Hours!
Stop losing El Cajon deals to investors with faster financing. We deliver real pre-approvals in 24 hours—not pre-qualifications that mean nothing, but actual approvals that give you credibility when making offers.

Frequently Asked Questions

What types of investment properties do you finance in El Cajon?

We finance business-purpose real estate throughout El Cajon and California: single-family homes, multifamily properties, townhomes, mixed-use residential buildings. We fund fix-and-flip projects, new construction, bridge loans, and DSCR rental property acquisitions. All loans go through business entities—we don't do consumer mortgages or owner-occupied financing.

How quickly can you close on a El Cajon investment property?

10 business days with complete documentation. Pre-approvals deliver in 24 hours, and final approvals typically happen within 3 to 5 business days depending on title clearance and property valuation. Compare that to 30-45 days minimum for traditional banks, and you'll understand why serious El Cajon investors choose hard money over conventional financing.

What are your loan-to-cost ratios for El Cajon fix-and-flip projects?

We offer loan-to-cost ratios up to 92.5% on qualified fix-and-flip projects in El Cajon, covering both purchase price and renovation budget. Actual LTC depends on property type, location, your experience level, and project scope. We underwrite based on after repair value and exit strategy. Rates start at 8.99%, and we customize terms to match your project timeline.

Do you require personal income verification for DSCR loans in El Cajon?

No. Our DSCR loans in El Cajon qualify based on the rental property's income potential, not your personal W-2s, tax returns, or employment history. We evaluate whether the property generates enough rent to cover debt service. You provide business entity documentation and demonstrate liquidity for down payment and reserves, but we're not requesting personal income verification.

What areas of El Cajon do you serve?

We provide private real estate loans throughout El Cajon, surrounding California communities, and the metro area. We lend in urban and suburban markets across the region. Whether your property is in El Cajon proper or nearby towns, we have the local market knowledge and lending appetite to support your investment.

Ready to Fund Your Next El Cajon Real Estate Investment?

Sometimes, markets move too fast for slow capital. While your competitors wait weeks for bank approvals, you could already be under contract with Unitas backing your offer. Our El Cajon hard money lenders have funded 4,718 deals because we understand what investors need. Speed without sacrificing certainty. Flexibility without hidden surprises. Institutional backing without institutional bureaucracy. Tell us about your next deal and we'll show you exactly how we can help you close it.


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