San Francisco's Trusted Hard Money Lender for Real Estate Investors

Real estate investors, property flippers, developers, and rental property owners in San Francisco qualify for our hard money loans. We focus on the property's value and potential rather than traditional credit metrics. Whether you're an experienced San Francisco investor or just starting out, we evaluate each deal on its merits—considering the asset, your experience level, exit strategy, and skin in the game.

For a San Francisco hard money loan application, you'll need: property address and details, purchase contract or current ownership docs, scope of work and renovation budget (for fix & flip), estimated After Repair Value (ARV) with comparable sales, proof of funds for down payment and reserves, and a brief overview of your real estate experience. Our team will guide you through the process.

We don't have a strict minimum credit score requirement for our San Francisco hard money loans. We've funded deals for borrowers with credit scores ranging from the high 500s to 800+. We focus primarily on the deal itself—the property's value, your equity position, and your exit strategy in the San Francisco market.

Yes, we work with first-time investors in San Francisco. While experience is valued, we understand everyone starts somewhere. For newer investors, we may require a larger down payment, focus on more conservative ARV projections, or recommend partnering with an experienced San Francisco contractor. Many of our best repeat borrowers started with their first San Francisco deal funded by Unitas.

No, personal income verification is not required for our San Francisco investment property loans. Our DSCR (Debt Service Coverage Ratio) loans are qualified based on the property's rental income, not your personal income or tax returns. This makes our process faster and more accessible for self-employed San Francisco investors.

We provide initial pre-approval decisions within 24 hours for most San Francisco deals. Once we receive your complete application and property details, our underwriting team moves quickly. Full approval and clear-to-close typically takes 5-10 business days. Many of our San Francisco borrowers close in 7-10 days from application to funding.

Unitas combines institutional capital strength with local San Francisco market expertise. As a direct lender, we control our own underwriting and funding—meaning faster decisions and more reliability than brokers. Our team understands the San Francisco real estate market and provides responsive construction draws, experienced guidance, and builds long-term relationships.

Hard money lenders like Unitas focus on the San Francisco property's value and potential, not your personal financial history. We can close in days rather than months, don't require extensive income documentation, and will fund properties that need significant renovation—deals most San Francisco banks won't touch. Our approval is based on asset value, equity, and exit strategy.

Yes, Unitas funds investment properties throughout San Francisco and surrounding areas in California. We lend in both urban and suburban markets. Whether your property is in downtown San Francisco or the suburbs, we have the local market knowledge and lending appetite to support your investment.

Start by visiting unitasfunding.com/apply or calling (862) 217-6326 to speak with a San Francisco lending specialist. We'll discuss your San Francisco project, provide preliminary terms, and guide you through our streamlined application process. Most borrowers complete the initial application in under 15 minutes. From there, we move quickly to funding your San Francisco investment property.