Santa Ana Real Estate Investor Financing Built for Speed

Secure dependable capital for value-add deals in Santa Ana, CA with direct private lending that matches real-world deal cadence. From quick-close purchases to time-boxed renovations, Unitas Funding helps investors stay competitive in submarkets where pricing, contractor availability, and listing velocity can shift week to week.
We routinely support projects across Santa Ana, CA and nearby communities like Irvine, Orange, Costa Mesa, Garden Grove, Newport Beach, and Anaheim. Whether you’re rehabbing a dated single-family in Irvine, executing a light-to-moderate value-add in Orange, or stabilizing a rental in Costa Mesa, our loan structures are built around the property and the plan—not a one-size checklist.

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Fast, Reliable Capital

In fast-moving submarkets, reliable capital and clear processes separate winners from wishful offers. As a direct lender backed by institutional capital, Unitas Funding delivers streamlined underwriting, clear conditions, and a closing process designed for investor workflows in Santa Ana, CA. Instead of bank delays, you get decisive term sheets, practical structures, and a draw process aligned to construction milestones.

Fix & Flip Loans

Fix & Flip Loans

Fix & flip investors in Santa Ana, CA use our financing to acquire and renovate properties while keeping cash reserves available for the next deal. We support scopes ranging from cosmetic updates to heavier rehabs, with terms structured around ARV and a realistic project timeline across markets like Irvine and Orange.

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New Construction Loans

New Construction Loans

For ground-up or major redevelopment in Santa Ana, CA, our new construction loans can fund lot acquisition and vertical construction with milestone-based draws. Investors building in corridors around Costa Mesa and Garden Grove value predictable funding and responsive communication to keep schedules intact.

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Bridge Loans

Bridge Loans

Bridge financing in Santa Ana, CA is designed for transitional assets—refinancing, payoff, or short-term holds while you execute a repositioning plan. Whether you’re solving timing issues in Newport Beach or assembling a longer-term takeout strategy near Irvine, bridge capital helps you move without waiting on bank calendars.

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DSCR Loans

DSCR Loans for Rental Properties

DSCR loans in Santa Ana, CA focus on property income so investors can scale rental portfolios without traditional income hurdles. This is a strong fit for stabilized rentals in Orange and Anaheim, and for investors optimizing leverage while keeping the process efficient.

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What Makes Unitas Funding Different?

  1. The Power of a Bank, The Speed of a Partner
    We pair institutional discipline with investor-friendly speed—so you get rigorous underwriting without the slow committee cadence.

  2. More Ways to Say “Yes” to Your Deal
    We expand the credit box with practical exceptions and deal-based structuring when the collateral and plan support it.

  3. Certainty from a Direct Lender
    Because we lend directly, approvals are clear and consistent—no re-trading, no last-minute surprises from a capital stack you can’t see.

  4. Faster Funding, Faster Draws
    Our draw process is built for execution: responsive inspections, consistent communication, and releases that keep crews working.
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Get Pre-Approved in 24 Hours!
Apply today and secure funding for your next investment property in Santa Ana
Close in as little as 10 days with Unitas Funding.

Frequently Asked Questions

Who qualifies for a hard money loan from Unitas Funding?

Most borrowers in Santa Ana, CA are active real estate investors or builders operating through an LLC or corporation. We focus on the collateral, the budget, and the exit strategy—especially for projects in Irvine and Orange where timelines are tight.

What documents do I need to apply in Santa Ana, CA?

To finance a deal in Santa Ana, CA, we typically request a purchase contract (or payoff statement), scope of work, and a basic project budget. For assets around Costa Mesa and Garden Grove, we also collect entity docs and experience details to align the structure to your plan.

What credit score is required for Santa Ana, CA hard money loans?

We don’t underwrite Santa Ana, CA projects off a single credit threshold. Credit informs pricing and structure, but the property and execution plan—common in Irvine and Newport Beach—drive the decision.

Do you work with first-time real estate investors in Santa Ana, CA?

Yes—first-time investors can be approved in Santa Ana, CA when the deal, budget, and support team are strong. We often help newer operators validate scopes and timelines for projects in Orange and Costa Mesa.

Do you require income verification for DSCR loans in Santa Ana, CA?

DSCR loans prioritize the property’s cash flow rather than W-2 income, which is useful for scaling rentals in Santa Ana, CA. Investors holding in Garden Grove and Newport Beach often prefer DSCR for portfolio growth and simplified qualification.

How fast can you approve and close a loan in Santa Ana, CA?

Many Santa Ana, CA borrowers receive initial feedback quickly once we have deal basics and a clear timeline. With valuation and title moving efficiently—common in Irvine and Anaheim—closings can occur in as little as ~10 days.

Why choose Unitas Funding for Santa Ana, CA investor financing?

Investors choose us in Santa Ana, CA for direct-lender certainty, transparent conditions, and a process built for execution. That reliability matters when you’re coordinating contractors across Orange and Costa Mesa.

How is hard money different from bank financing in Santa Ana, CA?

Banks often require rigid documentation and longer timelines that don’t match competitive Santa Ana, CA deals. Private lending focuses on the asset and plan, which is critical for value-add projects in Irvine and Garden Grove.

What areas do you serve beyond Santa Ana, CA?

We lend across Santa Ana, CA and surrounding markets, including Irvine, Orange, Costa Mesa, Garden Grove, Newport Beach, and Anaheim. If your project is just outside the core, we’ll confirm eligibility and structure based on the specific submarket dynamics.

What is the application process for a Santa Ana, CA hard money loan?

Start with an application and basic deal details for the subject property in Santa Ana, CA. We’ll review the budget and exit strategy, then coordinate valuation and title—keeping the process moving for projects in Costa Mesa and Anaheim.

Ready to Fund Your Next Santa Ana, CA Real Estate Investment?

Arizona'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 Arizona 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.