Hard Money Lender in Laguna Beach, CA

Laguna Beach, California is one of Orange County's most coveted coastal real estate markets, where oceanfront properties, hillside cottages, and luxury condominiums command premium valuations. Real estate investors in Laguna Beach target high-end fix-and-flip projects, vacation rental acquisitions, and bridge financing for properties that conventional lenders consistently under-value.

Unitas Funding provides hard money loans in Laguna Beach for fix-and-flip projects, new construction, bridge loans, and DSCR rental acquisitions. We close in 10 business days with rates starting at 8.99% and LTC up to 92.5%—moving at the speed the Laguna Beach market demands.

shutterstock_2644509203

Fast, Reliable Capital for Your Next Laguna Beach Deal

In Laguna Beach's luxury market, the best deals don't wait for 45-day bank timelines. Unitas issues real pre-approvals in 24 hours so you can make credible offers on premium coastal properties. Whether you're targeting a hillside rehab in Bluebird Canyon or a North Laguna vacation rental acquisition, we have the capital to close.

Fix & Flip Loans

Fix & Flip Loans

Laguna Beach fix-and-flip investors target premium coastal homes and hillside cottages where strategic renovation adds significant value in a high-demand market. Unitas funds up to 92.5% LTC with rapid draw schedules to keep high-end renovation projects on track.

Learn More
New Construction Loans

New Construction Loans

New construction in Laguna Beach involves navigating strict coastal commission requirements and architectural standards. Unitas provides flexible construction financing with phased draws, 12- to 24-month terms, and quick approval so your coastal build stays on schedule.

Learn More
Bridge Loans

Bridge Loans

Bridge loans in Laguna Beach allow investors to acquire a premium property before a current asset sells, or to close quickly on a time-sensitive coastal deal. Unitas provides fast bridge capital with competitive terms and no personal income requirements.

Learn More
DSCR Loans

DSCR Loans for Rental Properties

Laguna Beach vacation and long-term rental properties generate strong income relative to Orange County benchmarks. DSCR loans from Unitas are underwritten on property cash flow—no W-2s, no tax returns—enabling investors to scale their Laguna Beach portfolio efficiently.

Learn More


What Makes Unitas Different in Laguna Beach

  1. Local Market Understanding
    We understand Laguna Beach's unique market dynamics—coastal premium pricing, vacation rental demand, architectural standards, and the speed at which high-value properties move. Our underwriters evaluate each deal on its actual coastal market merit.

  2. Speed and Capital
    Laguna Beach sellers expect fast closings. Unitas delivers 24-hour pre-approvals and closes in 10 business days—giving you the credibility and speed to compete against all-cash buyers in Orange County's premier coastal market.

  3. Flexible Loan Structure
    Whether you're flipping a Bluebird Canyon cottage or acquiring a vacation rental in Three Arch Bay, Unitas structures loans to match your timeline with 12-, 18-, and 24-month interest-only terms.

  4. Proven Track Record
    More than $4.5 billion deployed across California and the nation means Unitas has the capital capacity and coastal lending experience to close your Laguna Beach deal with confidence.


shutterstock_2218681047 (1)

Get Pre-Approved in 24 Hours!
Stop losing Laguna Beach deals to buyers with faster financing. Our pre-approvals are real commitments backed by $4.5 billion in deployed capital—not soft estimates that fall apart at closing. Get your Laguna Beach investment pre-approved today.

Frequently Asked Questions

What types of investment properties do you finance in Laguna Beach, CA?

Unitas Funding finances residential investment properties in Laguna Beach including single-family homes, multifamily properties, luxury condominiums, and mixed-use buildings. We offer fix-and-flip, new construction, bridge, and DSCR loan programs to business entities for investment purposes only. California Finance Lenders License No. 60DBO-175288.

How quickly can you close on a Laguna Beach investment property?

Unitas closes Laguna Beach deals in 10 business days. Pre-approvals are issued within 24 hours and final loan approvals typically follow within 3 to 5 business days—significantly faster than conventional lenders who require 30 to 45 days.

What are your loan-to-cost ratios for Laguna Beach fix-and-flip projects?

We fund up to 92.5% LTC on qualified Laguna Beach fix-and-flip deals. Rates start at 8.99%, and our underwriting team evaluates each project based on purchase price, renovation scope, and after-repair value in Laguna Beach's coastal market.

Do you require personal income verification for DSCR loans in Laguna Beach?

No. DSCR loans from Unitas are underwritten based on the rental income potential of the investment property itself. No W-2s or tax returns are required. You'll need business entity documentation and sufficient liquidity for the down payment.

What areas of Laguna Beach do you serve?

Unitas serves investors throughout Laguna Beach including North Laguna, Woods Cove, Three Arch Bay, Bluebird Canyon, and neighboring Orange County coastal communities in the greater Los Angeles metro area.

 

Ready to Fund Your Next Laguna Beach Real Estate Investment?

Unitas Funding provides the fast, flexible private capital Laguna Beach real estate investors need to close premium coastal deals in California's most sought-after Orange County market. From Bluebird Canyon fix-and-flips to vacation rental acquisitions along PCH, we fund projects throughout Laguna Beach and Orange County. Contact us today to discuss your Laguna Beach investment property financing.

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