Santa Maria, CA's Trusted Hard Money Lender for Real Estate Investors

Santa Maria real estate doesn't wait for slow lenders. While banks shuffle paperwork for weeks, serious investors close deals and move forward. Our 10-business-day closing timeline means you make offers with confidence in Santa Maria. We're not here to tell you maybe. We're here to fund deals.

We specialize in private loans for real estate investors in Santa Maria and the California region. Whether you're flipping properties, building new construction, securing bridge financing, or scaling a rental portfolio, we focus on your property's value and exit strategy. $4.5 billion in closed loans and thousands of successful projects give us the capital and knowledge to fund your deal.

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Fast, Reliable Capital for Your Next Santa Maria Deal

Speed and structure matter in Santa Maria. With rates from 8.99% and up to 92.5% LTC on approved projects, plus 24-hour pre-approvals, you move decisively. We build loan packages around your deal requirements and exit strategy.

Fix & Flip Loans

Fix & Flip Loans

Finding distressed properties in Santa Maria is step one. Turning them profitable requires capital that works. Our fix and flip financing uses after repair value to determine loan amounts—covering both purchase and renovation. Select from 12-, 18-, or 24-month terms, all with interest-only structure. Draw turnaround happens in 24-48 hours after inspection sign-off.

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New Construction Loans

New Construction Loans

Building in Santa Maria means navigating permits, labor costs, and timelines. Our new construction funding covers single-family spec homes and multifamily residential projects. We structure draw schedules around actual construction milestones, not arbitrary calendar dates. With rates starting at 8.99% and terms customized to your build schedule, we bring both capital and construction knowledge from dirt to certificate of occupancy.

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Bridge Loans

Bridge Loans

Timing gaps happen in Santa Maria real estate. Maybe you need to close before permanent financing is ready, or you're waiting on another sale to fund your next purchase. Our bridge loans run 6 to 12 months, providing gap financing when opportunities appear. Santa Maria investors use bridge products to grab auction properties, secure off-market deals, and transition between investment phases without losing momentum.

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DSCR Loans

DSCR Loans for Rental Properties

Building a rental portfolio in Santa Maria shouldn't require endless personal financial documentation. Our DSCR loans qualify on one question: does the rent cover the mortgage? If the numbers work, we fund it. Available for short-term, mid-term, and long-term rentals anywhere in the Santa Maria metro. The property's income potential matters, not your tax returns from three years ago.

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What Makes Unitas Different in Santa Maria

  1. Well-Capitalized and Investor-Focused
    Backed by $4.5 billion in institutional capital, funding is never a question at closing. But we're not a bank drowning in bureaucracy—we're a direct lender built for real estate investors. You get financial stability without committee meetings, policy manuals, and loan officers who've never seen a construction site.

  2. Flexible Underwriting, Real Solutions
    Traditional lenders have rigid boxes. If your deal doesn't fit perfectly, you're rejected. We evaluate Santa Maria deals based on property fundamentals, market conditions, and whether your exit strategy makes financial sense. We customize loan structures around your specific project, not force square pegs into round holes.
  3. Direct Capital Eliminates Uncertainty
    We own our capital. We're not brokers shopping your deal around, and we don't sell loans to secondary markets. When we approve your loan, that approval is final. No surprise committee reviews, no funding falling through three days before closing, no last-minute changes.

  4. Quick Closings, Quicker Construction Draws
    Closing in 10 business days gets you into the property. Our draw requests process in 24 to 48 hours after inspection completion. Your Santa Maria renovation or construction project moves at the speed of actual work, not bureaucracy. Most projects need about 10 draws, and every one gets processed with the same urgency as initial funding.

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Get Pre-Approved in 24 Hours!
Stop losing Santa Maria deals to investors with faster financing. We deliver real pre-approvals in 24 hours—not pre-qualifications that mean nothing, but actual approvals that give you credibility when making offers.

Frequently Asked Questions

What types of investment properties do you finance in Santa Maria?

We finance business-purpose real estate throughout Santa Maria and California: single-family homes, multifamily properties, townhomes, mixed-use residential buildings. We fund fix-and-flip projects, new construction, bridge loans, and DSCR rental property acquisitions. All loans go through business entities—we don't do consumer mortgages or owner-occupied financing.

How quickly can you close on a Santa Maria investment property?

10 business days with complete documentation. Pre-approvals deliver in 24 hours, and final approvals typically happen within 3 to 5 business days depending on title clearance and property valuation. Compare that to 30-45 days minimum for traditional banks, and you'll understand why serious Santa Maria investors choose hard money over conventional financing.

What are your loan-to-cost ratios for Santa Maria fix-and-flip projects?

We offer loan-to-cost ratios up to 92.5% on qualified fix-and-flip projects in Santa Maria, covering both purchase price and renovation budget. Actual LTC depends on property type, location, your experience level, and project scope. We underwrite based on after repair value and exit strategy. Rates start at 8.99%, and we customize terms to match your project timeline.

Do you require personal income verification for DSCR loans in Santa Maria?

No. Our DSCR loans in Santa Maria qualify based on the rental property's income potential, not your personal W-2s, tax returns, or employment history. We evaluate whether the property generates enough rent to cover debt service. You provide business entity documentation and demonstrate liquidity for down payment and reserves, but we're not requesting personal income verification.

What areas of Santa Maria do you serve?

We provide private real estate loans throughout Santa Maria, surrounding California communities, and the metro area. We lend in urban and suburban markets across the region. Whether your property is in Santa Maria proper or nearby towns, we have the local market knowledge and lending appetite to support your investment.

Ready to Fund Your Next Santa Maria  Real Estate Investment?

Sometimes, markets move too fast for slow capital. While your competitors wait weeks for bank approvals, you could already be under contract with Unitas backing your offer. Our Santa Maria hard money lenders have funded 4,718 deals because we understand what investors need. Speed without sacrificing certainty. Flexibility without hidden surprises. Institutional backing without institutional bureaucracy. Tell us about your next deal and we'll show you exactly how we can help you close it.


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