All California Lending

About All California Lending

All California Lending is private lender based in Brentwood, CA. They provide funding in California. They provide lending solutions for a variety of scenarios, including commercial hard money loans, rental property loans, fix-and-flip loans, builder loans, and short term bridge loans. Their loan guidelines are flexible, including loan amounts starting from $30,000 with a maximum LTV of 75%, terms up to 2 years, and rates ranging between 9% and 11%. They do not require a minimum credit score to obtain a loan. They provide loans on all the following property types: single family homes, multi-family, apartment buildings, office buildings, retail units, hotels/motels, storage buildings, assisted living communities, mixed use spaces, warehouse buildings, industrial facilities, medical facilities, undeveloped land, and churches.

Loan Types Offered: Investment Property Loans, Fix and Flip Loans, Commercial Hard Money Loans, New Construction Loans, Bridge Loans

Property Types Covered: Single Family, Multi Family, Apartment, Office, Retail, Hotel, Storage, Assisted Living, Mixed Use, Warehouse, Industrial, Medical, Land, Church

Areas Served: CA

Licenses: DRE Lic. # 01458390, NMLS Lic. # 298819, DWJ CA broker Lic. # 01180522

Lending Guidelines for All California Lending

Below are the general loan guidelines published on the All California Lending website. Please confirm all terms and rates directly with the lender.

Loan Examples

The following loans are for education purposes only. They do not represent actual loans executed by All California Lending.

Loan Example 1

Krista closes on a $160,000 rehab project in Los Angeles, CA, using a fix-and-flip loan from All California Lending. The terms of the note include a 60% loan-to-value (LTV), so she must bring 40% of the price as cash to closing, which makes the principle note amount $96,000. The deal also includes these features: 1) a 6 month term, 2) a 14% interest-only note, and 3) a three percent origination fee.

The borrower will need to bring a total of $32,400 up front to pay the $64,000 down payment plus the $2,880 origination fee. The monthly interest-only payments will then total $1,120 to All California Lending. If Krista achieves her goal of a $200,000 sales price at the end of the loan term, she would pocket a gross profit of $30,400 after re-paying the principle and subtracting the cash she paid at closing, the origination fee, and the total monthly interest payments.

Loan Example 2

Guy is a an investor in Los Angeles, CA. He purchases an older townhouse for a rehab project and takes out a private money loan from All California Lending with the following terms:

$310,000 sales price
70% loan to value (LTV)
18 month term
10% rate of interest
5% origination fee

If Guy achieves his goal of a $387,500 sales price, the outcome of the project would be as follows:

$387,500 sales price
- $217,000 loan principle (70% LTV)
- $93,000 cash paid at closing (30% on 70% LTV)
- $10,850 origination fee (5% of the $217,000 principle)
- $32,550 total interest paid (18 months x 10% interest)
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= $34,100 gross profit (doesn't include taxes or renovation costs)