Stockton Real Estate Investor Financing Built for Speed

Fund time-sensitive purchases and renovations across Stockton, 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 Stockton, CA and nearby communities like Lodi, Manteca, Tracy, Modesto, Elk Grove, and Sacramento. Whether you’re rehabbing a dated single-family in Lodi, executing a light-to-moderate value-add in Manteca, or stabilizing a rental in Tracy, our loan structures are built around the property and the plan—not a one-size checklist.

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Fast, Reliable Capital

Inventory and contractor schedules don’t wait—your financing shouldn’t either. As a direct lender backed by institutional capital, Unitas Funding delivers streamlined underwriting, clear conditions, and a closing process designed for investor workflows in Stockton, 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 Stockton, 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 Lodi and Manteca.

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New Construction Loans

New Construction Loans

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

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Bridge Loans

Bridge Loans

Bridge financing in Stockton, 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 Elk Grove or assembling a longer-term takeout strategy near Lodi, bridge capital helps you move without waiting on bank calendars.

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DSCR Loans

DSCR Loans for Rental Properties

DSCR loans in Stockton, CA focus on property income so investors can scale rental portfolios without traditional income hurdles. This is a strong fit for stabilized rentals in Manteca and Sacramento, 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
    Institutional backing with an operator mindset—fast decisions, clean conditions, and funding aligned to your timeline.

  2. More Ways to Say “Yes” to Your Deal
    Flexible structures that fit real projects: leverage, rehab budgets, and timelines designed around the business plan—not a template.

  3. Certainty from a Direct Lender
    A true direct lender means your term sheet is real—decisions and documents stay aligned through closing.

  4. Faster Funding, Faster Draws
    Faster funding and dependable draws reduce downtime so you can hit milestones and protect your ROI.
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Get Pre-Approved in 24 Hours!
Apply today and secure funding for your next investment property in Stockton
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 Stockton, 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 Lodi and Manteca where timelines are tight.

What documents do I need to apply in Stockton, CA?

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

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

We don’t underwrite Stockton, CA projects off a single credit threshold. Credit informs pricing and structure, but the property and execution plan—common in Lodi and Elk Grove—drive the decision.

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

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

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

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

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

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

Why choose Unitas Funding for Stockton, CA investor financing?

Investors choose us in Stockton, CA for direct-lender certainty, transparent conditions, and a process built for execution. That reliability matters when you’re coordinating contractors across Manteca and Tracy.

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

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

What areas do you serve beyond Stockton, CA?

We lend across Stockton, CA and surrounding markets, including Lodi, Manteca, Tracy, Modesto, Elk Grove, and Sacramento. 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 Stockton, CA hard money loan?

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

Ready to Fund Your Next Stockton, 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.