San Jose, CA's Trusted Hard Money Lender for Real Estate Investors

Silicon Valley's real estate market operates at a different speed than the rest of the country. Properties that make financial sense get multiple offers within days, and investors with slow financing watch deals evaporate. Unitas Funding understands that in San Jose's million-dollar market, speed isn't a luxury but a requirement. We close hard money loans in 10 business days while traditional banks are still processing your application.

Our focus is private loans for San Jose real estate investors who need capital that moves as fast as the market. From Japantown renovations to Almaden Valley new builds, from downtown bridge financing to Berryessa rental acquisitions, we underwrite based on property potential and deal economics. We've funded $4.5 billion in real estate loans, and we know the difference between a good deal and a mediocre one. More importantly, we know how to structure financing that actually closes.

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Fast, Reliable Capital for Your Next Real Estate Deal

San Jose's market demands lenders who understand high-end markets. Our rates start at 8.99% with leverage up to 92.5% loan-to-cost for qualified investors. We'll pre-approve you in 24 hours, not 24 days. That matters when you're competing for properties in neighborhoods where the median home price exceeds $1.3 million and hesitation costs you the deal.

Fix & Flip Loans

Fix & Flip Loans

Flipping houses in San Jose requires substantial capital and precise execution. Our financing covers acquisition and renovation in a single loan based on after repair value, not current distressed condition. Choose 12, 18, or 24-month terms with interest-only payments that don't drain your reserves while you're managing contractors and permits. We process draw requests in 24 to 48 hours after inspection because we understand that delayed capital means delayed projects, and delayed projects mean lost profit in high-cost markets.

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New Construction Loans

New Construction Loans

Ground-up construction in Santa Clara County involves complex permitting, expensive labor, and material costs that would shock investors from other markets. Our San Jose hard money lenders fund single-family and multifamily residential projects with draw schedules built around real construction phases, not theoretical timelines. We evaluate projects based on market demand, construction feasibility, and your exit strategy. We've seen enough projects in competitive markets to know what works and what doesn't.

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Bridge Loans

Bridge Loans

When you need to move on a San Jose property but your timing isn't perfect, bridge loans solve the problem. Maybe you're selling another asset, waiting on permanent financing, or need to close before your capital is liquid. Our 6- to 12-month terms provide the gap financing to secure opportunities that won't wait. In a market where good deals attract immediate attention, bridge financing often makes the difference between winning and watching someone else win.

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DSCR Loans

DSCR Loans for Rental Properties

San Jose's rental market is one of the strongest in the country, with tech workers and professionals paying premium rents. Our debt service coverage ratio (DSCR) loans capitalize on that reality by qualifying properties based on rental income, not your personal tax returns. The property's ability to generate rent that covers the mortgage is what matters. This approach works for properties near tech campuses, downtown rentals, and residential properties throughout the South Bay where rental demand stays consistently strong.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Our $4.5 billion in institutional backing means we have the capital to fund San Jose's high-dollar deals without hesitation. But institutional capital alone doesn't win deals, speed and decisiveness do. We're structured as a direct hard money lender serving San Jose, which means you're working with the people who actually make funding decisions. No committees, no layers of approval, no wondering if the money will actually show up. Just fast decisions from people who understand real estate investment.

  2. More Ways to Say ‘Yes’ to Your Deal.
    Banks operate with standardized underwriting criteria that automatically reject anything unconventional. We look at each deal individually. Does the property have genuine value? Does your exit strategy make sense? Are the numbers realistic? If the fundamentals work, we find a way to structure financing that works. We customize terms around your specific situation instead of forcing every deal into identical boxes that ignore market realities and individual circumstances.

  3. Certainty from a Direct Lender.
    We own the capital we lend. When we approve your loan, that's the final decision. There's no secondary committee that might overturn it, no warehouse lender who might pull funding, no surprises three days before closing. In San Jose's competitive market where you're often competing against cash buyers with instant liquidity, this certainty gives you credibility. Sellers and listing agents know that Unitas approval means the deal will close.

  4. Faster Funding, Faster Draws.
    Getting to closing in 10 days is critical, but maintaining momentum after closing matters just as much. We process renovation and construction draws in 24 to 48 hours after inspection completion. Your project moves forward at the pace of actual construction work, not the pace of our internal bureaucracy. In competitive markets where carrying costs add up quickly, draw delays cost real money. We eliminate that problem.

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Get Pre-Approved in 24 Hours!
San Jose deals move fast, and your financing should too. Submit the form below for a real pre-approval in 24 hours. We're not talking about a soft pre-qualification that means nothing. We're talking about actual underwriting that gives you confidence when making offers. We evaluate property value and deal structure, not endless personal documentation that delays decisions while opportunities disappear.

Frequently Asked Questions

What types of investment properties do you finance?

We finance business-purpose real estate throughout San Jose and Santa Clara County. If it's an investment property, we can probably finance it. Our programs cover fix-and-flip projects, ground-up construction, bridge financing, and rental property acquisitions through DSCR loans. All financing goes through business entities. We don't do consumer mortgages or owner-occupied properties.

How quickly can you close on a San Jose investment property?

With complete documentation, we close in 10 business days. Pre-approvals come in 24 hours. Final approvals typically take 3 to 5 business days depending on title work and appraisal completion. Traditional banks need 30 to 45 days minimum, which is why investors who need to compete in San Jose's fast market choose hard money lending over conventional financing that loses deals.

What are your loan-to-cost ratios for San Jose fix-and-flip projects?

We go up to 92.5% loan-to-cost on qualified projects, covering both purchase and renovation. Actual ratios depend on property type, location, your track record, and project scope. Our underwriting focuses on after repair value and your exit plan, whether you're selling or refinancing. Rates start at 8.99% with terms customized to your timeline and strategy.

Do you require personal income verification for DSCR loans?

No. We qualify rental properties based on their income potential, not your W-2s or tax returns. The question is simple: does the rent cover the debt service? In San Jose's strong rental market, the answer is often yes. You'll need business entity documentation and proof of liquidity for down payment and reserves, but personal income verification isn't part of our DSCR underwriting process.

What areas of San Jose do you serve?

We lend throughout San Jose and Santa Clara County in areas such as Japantown, Almaden Valley, Berryessa, Willow Glen, Evergreen, Rose Garden, Cambrian Park, plus surrounding cities like Santa Clara, Sunnyvale, Cupertino, Mountain View, Los Gatos, and Saratoga. We're a wholesale lender in California, so we work through licensed mortgage brokers only. We don't accept direct borrower applications. Find a licensed broker to access our programs for your San Jose investment.

Ready to Fund Your Next San Jose Real Estate Investment?

San Jose's market doesn't reward hesitation. It rewards investors who move decisively with the right financing already in place. Whether you're executing your first flip or scaling a rental portfolio across Silicon Valley, Unitas Funding provides the capital, speed, and expertise to help you compete and win. Stop losing deals to better-financed investors. Talk to our San Jose hard money lenders today.

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