Elk Grove, CA's Trusted Hard Money Lender for Real Estate Investors

Elk Grove was one of the fastest-growing cities in the country through the 2000s, and while the explosive growth has matured, the Sacramento County market it built remains one of the most active in Northern California. Elk Grove Unified — one of the largest school districts in the state — continues to anchor family demand, while the Highway 99 logistics corridor and a growing healthcare presence support a steady base of renters and move-up buyers. Investors are finding opportunity in both the resale stock around Old Town Elk Grove and continued new construction on the city's southern edge, where land remains more available than almost anywhere else in the Sacramento metro.

Unitas Funding provides private capital for real estate investors throughout Elk Grove and Sacramento County, California — fix-and-flip, new construction, bridge loans, and DSCR rental financing. With $4.5 billion deployed nationwide and direct lending capital, we bring institutional speed and certainty to every Elk Grove-area transaction: real pre-approvals in 24 hours and closings in as little as 10 business days.

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Fast, Reliable Capital for Your Next Elk Grove Deal

Elk Grove's market rewards investors who can move fast and close with certainty. Unitas Funding delivers rates from 8.99%, up to 92.5% loan-to-cost on qualified projects, and real pre-approvals — not meaningless pre-qualifications — in 24 hours. We evaluate deals on property fundamentals and your exit strategy in Elk Grove, not bureaucratic checklists.

Fix & Flip Loans

Fix & Flip Loans

Unitas Funding's fix-and-flip loans give Elk Grove investors up to 92.5% loan-to-cost on qualified renovation projects, with rates starting at 8.99% and interest-only terms of 12, 18, or 24 months. We fund the purchase price and the renovation budget together, with draws released in 24-48 hours so your Elk Grove project stays on schedule.

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New Construction Loans

New Construction Loans

For ground-up builds in Elk Grove and across Sacramento County, our new construction loans cover land acquisition and vertical construction costs with the same 92.5% loan-to-cost and 24-48-hour draw turnaround as our renovation loans. Most projects require approximately 10 draws over the build timeline, and each one receives the same priority processing as your initial funding.

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Bridge Loans

Bridge Loans

When timing doesn't line up — between the sale of one Elk Grove property and the acquisition of another, or while arranging long-term financing — our bridge loans provide 6-to-12-month interim capital with the same 24-hour pre-approval and 10-business-day closing investors rely on for every other Unitas loan program.

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DSCR Loans

DSCR Loans for Rental Properties

Our DSCR rental loans qualify Elk Grove investors based on a property's projected rental income rather than personal income documentation. That makes it straightforward to scale a rental portfolio across Sacramento County without W-2s, tax returns, or employment verification slowing down your next acquisition.

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What Makes Unitas Different in Elk Grove

  1. Institutional Resources
    With $4.5 billion in capital deployed nationwide, Unitas Funding lends directly — there's no broker chain and no committee delay between you and your capital. In Elk Grove, that means we can fund renovation, construction, and acquisition deals tied to Elk Grove Unified School District and the Highway 99 logistics corridor without the capital constraints that limit smaller private lenders.

  2. Underwriting for Property Fundamentals
    We underwrite the deal, not your tax returns. In Elk Grove, that means evaluating after-repair value, local rent and resale comparables, and your exit strategy — not chasing W-2s or personal debt-to-income ratios. Borrowers with a strong deal and a clear plan move through underwriting quickly, regardless of credit history.

  3. We Fund What We Approve
    When we issue a pre-approval on a Elk Grove property, that approval holds. There's no surprise committee reversal three days before closing — a critical advantage in a market shaped by fast-turning resale inventory near Old Town Elk Grove.

  4. Speed That Matches Market Reality
    Closing in 10 business days gets you into the property fast, and draw requests process in 24-48 hours after inspection. Most Elk Grove projects require approximately 10 draws, and each one gets the same urgent turnaround as your initial funding — a meaningful edge in a market moving as fast as Elk Grove's.


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Get Pre-Approved in 24 Hours
Stop losing Elk Grove deals to investors with faster financing. Unitas delivers real pre-approvals in 24 hours — not meaningless pre-qualifications, but actual approvals that give you credibility when making offers on Elk Grove properties. Our focus is on property value and deal structure, not endless personal documentation.

Frequently Asked Questions

What types of investment properties do you finance in Elk Grove?

We finance business-purpose real estate throughout Elk Grove and Sacramento County: single-family homes, multifamily properties, townhomes, and mixed-use residential buildings. We fund fix-and-flip projects, new construction, bridge loans, and DSCR rental property acquisitions. All loans must be made through business entities — we don't provide consumer mortgages or owner-occupied financing.

How quickly can you close on a Elk Grove investment property?

10 business days with complete documentation. We deliver pre-approvals in 24 hours, and final approvals typically occur within 3-5 business days depending on title clearance and property valuation. Compare that to 30-45 days minimum for traditional banks, and you'll understand why Elk Grove investors increasingly choose hard money lending over conventional financing.

What are your loan-to-cost ratios for Elk Grove fix-and-flip projects?

We offer loan-to-cost ratios up to 92.5% on qualified fix-and-flip projects in Elk Grove, 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 your exit strategy, with rates starting at 8.99% and terms customized to your project timeline.

Do you require personal income verification for DSCR loans in Elk Grove?

No. Our DSCR loans in Elk Grove qualify based on the rental property's income potential, not your personal W-2s, tax returns, or employment history. We evaluate whether projected rent covers debt service, which makes portfolio building straightforward for Elk Grove investors.

What areas of Elk Grove do you serve?

We lend throughout Elk Grove, including Old Town Elk Grove, Laguna, and Sheldon, as well as the broader Sacramento County market. Wherever the deal makes sense within California, our team can structure financing around it.

 

Ready to Fund Your Next Elk Grove Real Estate Investment?

Unitas Funding has funded 140+ deals for real estate investors across Elk Grove and the broader Sacramento County. Whether you're renovating a property near Old Town Elk Grove, building new construction near Laguna, or acquiring a DSCR rental in Elk Grove, our team delivers institutional capital with direct-lender speed: rates from 8.99%, up to 92.5% LTC, pre-approvals in 24 hours, and closings in 10 business days. Apply today and put $4.5 billion in deployed capital behind your next Elk Grove investment.

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