Los Angeles’ Trusted Hard Money Lender for Real Estate Investors

Private capital solutions for Los Angeles investors, builders, and landlords with fast approvals, streamlined draws, and flexible terms. Funding supports value-add strategies across submarkets including Hollywood, Koreatown, Echo Park, Silver Lake, Downtown, and the Valley.

Fix & flip, bridge, DSCR, and new construction loans are structured around timelines and project exits to maintain momentum across competitive Los Angeles neighborhoods.

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Fast, Reliable Capital

Direct-lender agility and institutional capital allow investors across Los Angeles to move quickly on acquisitions, rehabs, ADU builds, and rental acquisitions. Transparent underwriting and dependable draw schedules help reduce delay risk and keep project timelines predictable, even in complex Los Angeles markets.

Fix & Flip Loans

Fix & Flip Loans

 Short-term capital designed for fast acquisitions and renovations in Los Angeles. ARV-based underwriting supports strong leverage for value-add projects, frequently used for small multifamily, SFR rehabs, and condo renovations in areas such as Mid-City, Boyle Heights, North Hollywood, and West Adams 

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New Construction Loans

New Construction Loans

 Financing for spec SFR, townhomes, ADUs, and small multifamily infill developments throughout Los Angeles. Staged draw schedules support projects from lot acquisition through vertical build-out and are well suited for urban infill and ADU-driven development trends across the Valley, Westside, and Central LA. 

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Bridge Loans

Bridge Loans

 Short-term bridge capital for acquisitions, pre-stabilization, refinances, or rapid closes. These loans work well for transitional assets, mixed-use properties, and small multifamily buildings throughout Los Angeles, particularly where competition requires sellers to accept faster-moving buyers. 

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DSCR Loans

DSCR Loans for Rental Properties

 Cash-flow-based rental loans without income verification. These programs support long-term rentals, STR/MTR strategies, and stabilized multifamily properties across Los Angeles. DSCR underwriting emphasizes property performance rather than borrower income, enabling scalable rental portfolio growth. 

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Why Choose Unitas Funding

  1. The Power of a Bank, The Speed of a Partner
    Direct decisions, transparent underwriting, and reliable capital allow Los Angeles investors to execute quickly without sacrificing clarity or structure.

  2. More Ways to Say “Yes” to Your Deal
    Flexible underwriting and a broad credit box allow for funding of unique or complex projects including ADUs, urban infill, mixed-use rehabs, and small multifamily developments.

  3. Certainty from a Direct Lender
    Internal capital enables faster approvals, clearer communication, and predictable closings free from broker bottlenecks.

  4. Faster Funding, Faster Draws
    Efficient draw management helps maintain construction and renovation timelines, particularly important in Los Angeles’ permit-driven environment.

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Get Pre-Approved in 24 Hours!
Submit your project details online and secure funding for your next Los Angeles investment property.
Many projects close in as little as 10 days.

Frequently Asked Questions

Who qualifies for a hard money loan in Los Angeles, California?

Eligible borrowers include real estate investors and builders using a business entity to acquire, renovate, or develop property. Strong candidates have clear project scopes, practical timelines, and a defined exit strategy.

What is required to apply for a real estate investment loan in Los Angeles?

Basic requirements include property details, a renovation or construction budget, an exit plan, and business entity documentation. Experience helps but is not mandatory if the project plan is well-supported.

What credit score is needed for a hard money loan in Los Angeles, California?

Credit criteria are flexible and secondary to project strength. Many borrowers qualify in the mid-600s when equity, ARV, and overall deal fundamentals are strong.

Do you lend to first-time investors in Los Angeles?

Yes. First-time borrowers can qualify with reasonable leverage, realistic budgeting, and support from experienced contractors or project partners.

Is income verification required for investment property loans in Los Angeles?

These loans rely primarily on asset performance. DSCR loans emphasize property cash flow, while fix & flip and construction programs focus on ARV and feasibility more than personal income.

How long does the hard money loan approval process take in Los Angeles?

Pre-approvals often occur within 24 hours. Closings typically take around 10 days depending on title, valuation, and project complexity.

Why choose this private lender over other hard money lenders in Los Angeles?

Local familiarity with ADU regulations, urban infill patterns, and neighborhood-specific timelines provides execution advantages. Direct funding enables flexibility that traditional lenders cannot offer.

How is a hard money lender different from a bank in Los Angeles, California?

Private lenders evaluate collateral, ARV, and project viability rather than strict borrower income or credit factors. This allows much faster closings and financing for transitional or value-add properties banks avoid.

Do you finance new construction in Los Angeles?

Yes. Funding supports land acquisition, site preparation, and vertical build-out for SFRs, ADUs, townhomes, and small multifamily buildings with milestone-based draw schedules.

How do I apply for a hard money loan in Los Angeles?

Submit project details online and specify your target closing timeline. Underwriting then coordinates valuation and title work to move efficiently toward closing.

Ready to Fund Your Next Los Angeles Real Estate Investment?

Los Angeles'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 Los Angeles 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.