Thousand Oaks, CA's Trusted Hard Money Lender for Real Estate Investors

Properties throughout Thousand Oaks require urgent action. Banks needing 30+ days for approval and funding can't deliver the speed serious investors need to secure deals. Ten business days from approval to funding—that's how Unitas helps investors win in Thousand Oaks. We're not here to tell you maybe. We're here to fund deals.

We specialize in private loans for real estate investors in Thousand Oaks and throughout California. 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 institutional capital supporting thousands of funded deals means reliable, consistent execution.

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Fast, Reliable Capital for Your Next Thousand Oaks Deal

Success in Thousand Oaks starts with right-sized capital. Rates from 8.99%, loan-to-cost ratios to 92.5% on qualifying projects, 24-hour pre-approvals. We structure financing for your specific investment plan and timeline.

Fix & Flip Loans

Fix & Flip Loans

Property transformation in Thousand Oaks requires funding that supports your timeline. Fix-and-flip financing uses ARV underwriting, covering acquisition and construction budgets. Select 12-, 18-, or 24-month terms with interest-only structure. Draw processing completes within 24-48 hours after inspection.

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New Construction Loans

New Construction Loans

Building new in Thousand Oaks requires financing from partners who understand construction. Our loans cover residential development with milestone-based draw structures. Starting at 8.99% with customized timelines. We combine construction expertise with reliable capital.

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Bridge Loans

Bridge Loans

Financing timelines don't always sync in Thousand Oaks markets. Our 12-month bridge loans offer interim capital for early closings or transaction gaps. Investors deploy bridge funding for auction properties, off-market acquisitions, and phase transitions.

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DSCR Loans

DSCR Loans for Rental Properties

Scaling rental investments throughout Thousand Oaks without tax return requirements. DSCR loans evaluate whether rent covers mortgage payments. Applicable to short-term, mid-term, and long-term rentals. Property income drives decisions, not W-2 documentation.

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What Makes Unitas Different in Thousand Oaks

  1. Bank Strength Without Bank Bureaucracy
    Backed by $4.5 billion in institutional capital, funding availability is never uncertain at closing. But we're not a bank drowning in committees and policies—we're a direct lender purpose-built for real estate investors. You get financial stability combined with decision-making speed and flexibility.

  2. Solutions For Deals Others Decline
    Traditional lenders use rigid qualification boxes. If your Thousand Oaks deal doesn't fit their template perfectly, you're declined. We evaluate deals based on property fundamentals, local market conditions, and whether your exit strategy makes financial sense. We build loan structures around your specific project requirements.
  3. Capital Ownership Ensures Consistency
    We own our capital. We're not brokers marketing your deal to multiple lenders, and we don't sell loans to secondary markets that might disappear when volatility hits. When we issue an approval, that approval is final. No surprise committee reviews, no funding falling through three days before closing.

  4. Quick Through Every Step
    Closing in 10 business days gets you into the property. Our draw requests process in 24-48 hours after inspection completion. Your Thousand Oaks renovation or construction project moves at the speed of actual work, not internal bureaucracy. Most projects require approximately 10 draws, and each one receives the same urgent processing as your initial funding.

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Get Pre-Approved in 24 Hours
Stop losing Thousand Oaks deals to investors with faster financing. We deliver real pre-approvals in 24 hours—not meaningless pre-qualifications, but actual approvals that give you credibility when making offers. Our focus is on property value and deal structure, not endless personal documentation.

Frequently Asked Questions

What types of investment properties do you finance in Thousand Oaks?

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

How quickly can you close on a Thousand Oaks investment property?

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

What are your loan-to-cost ratios for Thousand Oaks fix-and-flip projects?

We offer loan-to-cost ratios up to 92.5% on qualified fix-and-flip projects in Thousand Oaks, 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 your exit strategy. Rates start at 8.99%, and we customize terms to match your specific project timeline and investment plan.

Do you require personal income verification for DSCR loans in Thousand Oaks?

No. Our DSCR loans in Thousand Oaks 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 sufficient rent to cover debt service. You'll need to provide business entity documentation and demonstrate liquidity for down payment and reserves, but we're not requesting personal income verification that delays everything.

What areas of Thousand Oaks do you serve?

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

Ready to Fund Your Next Thousand Oaks 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 Thousand Oaks 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.