Newport Beach’s Trusted Hard Money Lender for Real Estate Investors

Close faster and scale smarter with a simple plan: define scope, verify comps, and match timelines to capital; we streamline steps with construction lending expertise and quick approvals. Our team guides real estate investors across Florida with tailored hard money loans near Newport Beach, keeping real estate investments moving.

Choose the right product for the job: fix and flip financing for rapid resales, bridge loans to seize opportunities between exits, and new construction funding to build ground-up; as seasoned private money lenders, we set clear draw schedules, flexible terms, and responsive communication so real estate investors execute with confidence.

shutterstock_2644509203

Fast, Reliable Capital for Your Next Real Estate Deal

Backed by institutional capital and built for speed, Unitas delivers as a private money lender in Newport Beach and a nimble hard money lender you can call first. Our targeted loan programs fuel every stage: fix and flip opportunities, ground-up new construction, smart rental property loans, and swift bridge financing. We move fast, tailor terms, and stay accessible, so real estate investors in the area can scale portfolios, capture timing windows, and build durable wealth with confidence.

Fix & Flip Loans

Fix & Flip Loans

Investors turn to us for agile solutions that move projects forward fast, and we deliver with short term financing tailored to value-add deals. Our fix & flip loans in Newport Beach pair speed with a flexible hard money rehab loan structure, ideal for the BRRRR method. We fund purchase and renovations through fix and flip funding aligned to the property’s After Repair Value (ARV), helping you maximize leverage, protect timelines, and scale your pipeline with confidence.

Learn More
New Construction Loans

New Construction Loans

Build with confidence using our private construction loans tailored for ground up construction. As a trusted private construction lender in Newport Beach, we finance single family spec homes, multi unit residential communities, and mixed use developments. We align funding to your milestones through a streamlined staged draw process, supporting timely lot acquisition, essential horizontal improvements, and vertical build costs. Count on our responsive team to underwrite quickly, close efficiently, and keep your project moving from plans to completion.

Learn More
Bridge Loans

Bridge Loans

We provide hard money bridge loans that deliver swift interim financing when speed and certainty matter most, especially where conventional lenders stall. Our gap financing helps you secure an investment property, fund renovations, or stabilize cash flow before transitioning to permanent financing. Count on our real estate bridge loans in Newport Beach for streamlined underwriting, flexible terms, and fast closings that protect earnest money and maximize IRR while we align capital to your exit strategy.

Learn More
DSCR Loans

DSCR Loans for Rental Properties

Newport Beach DSCR loans built around the Debt Service Coverage Ratio make scaling a portfolio straightforward, offering no income verification rental loans that qualify based on property cash flow rather than wages. These asset based loans serve as flexible landlord financing for both long-term holds and STR/MTR strategies. Use investment property mortgages to purchase, refinance, or cash-out equity, streamline acquisitions, and strengthen monthly yield while maintaining underwriting that prioritizes sustainable rents, realistic expenses, and dependable debt performance.

Learn More


What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    We blend institutional reliability with entrepreneurial flexibility, and as a Newport Beach hard money lender, we simplify complex real estate deals, structuring tailored loans for swift approvals and fast funding so borrowers can move decisively while we guide each step.

  2. More Ways to Say ‘Yes’ to Your Deal.
    Powered by an expanded credit box and creative underwriting, we finance projects others pass on, delivering swift answers for unique or urgent deals via our Newport Beach hard money lending expertise that finds ways to say yes when it matters.

  3. Certainty from a Direct Lender.
    Skip the broker bottleneck. As a direct hard money lender in Newport Beach, we move fast, deploy our own capital, and guide you from application to loan approval, leveraging direct lending to deliver dependable timelines and secure funding at closing.

  4. Faster Funding, Faster Draws.
    Driven by results, we keep deals moving with a streamlined loan process in Newport Beach, delivering fast funding, smooth closings, and reliable construction draw releases so your projects stay on schedule, profitable, and supported by responsive, hands-on expertise.


shutterstock_2218681047 (1)

Get Pre-Approved in 24 Hours
Apply today and secure funding for your next investment property in Newport Beach.

FAQ

Who qualifies for a hard money loan from Unitas Funding?

Serious borrowers choose our hard money investor loans when they want a long-term private money lending partner and dependable execution. We prioritize fast funding at the offer stage, after the term sheet, and through each milestone of the draw process, so your timeline stays intact. If you run an LLC or corporation for your real estate investments and value speed with accountability, we’re aligned. Our hard money lending team in Newport Beach pairs capital fluency with construction know-how, delivering construction loans and local insight that help your projects move faster, mitigate risk, and scale with confidence.

What is required to apply for a Unitas real estate investment loan?

Ready to get started? To begin your real estate investment loan, submit a loan application through a business entity, LLC or corporation, never as an individual, and use proceeds strictly for business purposes. For investment property financing in Newport Beach, we typically require entity formation documents, EIN, purchase details, rent roll, rehab budget, bank statements, appraisal, and insurance.

- Background Check
- Bank Statements
- Certificate of Good Standing
- Credit Report
- EIN Letter
- Government-issued ID
- Purchase and Sale Agreement

What credit score do I need for a hard money loan from Unitas?

Qualified investors choose us for business purpose loans backed by transparent underwriting and timely closings. For a hard money loan, we determine the credit score using the median FICO score from a tri-merge report, or the lower of two when only two scores exist. Representative scores below 600 are ineligible for our investment property loans. This disciplined approach supports competitive terms on private loans in Newport Beach while aligning capital to each borrower’s strategy and risk profile.

Do you lend to first-time real estate investors in Newport Beach?

We fund growing portfolios with first time real estate investor loans, tailored loan programs, and accessible capital that accelerates deals. Whether your first fix and flip in Newport Beach is just launching or you’re expanding with rental property loans, we streamline underwriting, communicate clearly, and close fast. Expect precise pricing, flexible draws, and fix and flip funding aligned to your strategy, so timelines stay tight, budgets hold, and every property moves from opportunity to realized return.

Is income verification required for investment property loans from Unitas?

We keep relationships at the center: no personal income verification for our investment property loans, and our private real estate loans in Newport Beach use asset based lending that considers down payments and verified liquidity. We underwrite with a DSCR lens that prioritizes property cash flow, making them genuine DSCR loans. This collaborative approach lets real estate investors qualify on asset performance, while we tailor terms to help them scale portfolios with confidence.

 

How long does the approval process take?

We help investors move quickly with fast loan approval, often issuing same-day pre-approvals and term sheets for our hard money loans in Newport Beach. Final sign-off depends on clear title and a thorough property valuation, and our hybrid valuations typically wrap in 3–5 business days. With streamlined underwriting, we can close in as little as 10 days, giving you a dependable path to secure financing and compete confidently on time-sensitive real estate opportunities.

 

Why choose Unitas over other hard money lenders in Newport Beach?

We blend construction know-how with flexible lending, so investors get faster answers than from many hard money lenders. We close private money loans in Newport Beach in as little as 10 days, tailor each structure, and stay focused on relationships. With rates starting at 9.25% and real estate loans reaching 92.5% LTC, you access institutional capital delivered with the hands-on care of a dedicated private money lender, plus high leverage loans designed to move projects forward.

 

How is a hard money lender different from a bank?

Choosing a hard money lender over a bank often comes down to speed and flexibility, and we deliver both with investment real estate loans tailored to your strategy. We move with fast closing loans in days and keep the process clear from application to funding. Whether you’re pursuing fix and flip opportunities, bridge loans for timing gaps, or DSCR loans for holds, our streamlined new construction lending in Newport Beach helps investors execute confidently on competitive deals.

 

Do you provide funding in my state or city?

We move fast as a nationwide direct lender, funding fix and flip loans, DSCR loans, new construction, and bridge loans in Newport Beach and across California, then scaling that momentum nationwide. We deliver business purpose loans backed by dependable private capital solutions.

 

How do I apply for a real estate investment loan from Unitas?

Ready to apply for a real estate investment loan? We keep the process personal and efficient: start with our online loan calculator, then an Account Executive will connect to discuss your project, qualifications, and tailored real estate investor financing. From pre-approval through valuation, title, and draws, we streamline each milestone so real estate investors in Newport Beach move forward confidently toward closing, while our communication and swift decisions help you secure opportunities and scale your portfolio with less friction.

 

Fast, Reliable Capital – No Red Tape

Get the certainty of a direct lender and close in as little as 10 days.

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