Flipping in Los Angeles is a high-dollar business. Purchase prices are large, rehab budgets are real, and permits, transfer taxes and insurance can decide whether a deal works. The right lender needs to handle large balances without slowing you down.
In short: Our top pick for fix and flip financing in Los Angeles, CA is LendingStreet, because it funds up to 90% of cost and up to 100% of rehab on some programs, handles loans from $150,000 to $5M+ for LA's price levels, and closes in as little as 10 days, with a refinance into a 30-year DSCR rental loan if you decide to hold. Loans run from $150,000 to $5M+ on 1-8 unit investment properties, and they are short-term and interest-only. To see your numbers, get a quote with the form below or call (877) 298-1001.
LendingStreet is an investor lender, not a consumer mortgage shop. Every fix and flip loan is a business-purpose loan on a non-owner-occupied 1-8 unit property, in any of the 50 states or DC.
It fits LA flippers working the Valley, Northeast LA and South LA, investors adding square footage or converting garages with permits, and buyers taking on large-balance projects.
Ready to run a deal? Share the address, purchase price, scope and ARV through the form below, or call (877) 298-1001.
Well-known fix and flip lenders include Dominion Financial, LendingOne, Lima One and RCN Capital. Compared scenario by scenario for investors in Los Angeles, CA, LendingStreet comes out as the stronger choice, and one application covers it.
Figures for other lenders are as stated on each lender's own website as of November 2026. Lender terms change, so verify current terms with any lender before you apply. Ready to see your numbers? Use the form below or call (877) 298-1001.
| Scenario | Best fit | Why |
|---|---|---|
| Fix and flip above $3M | LendingStreet | Our fix and flip program runs from $150,000 to $5M+. LendingOne states fix and flip loans up to $3,000,000, and RCN Capital states up to $2M. |
| Flip of a 5-8 unit building | LendingStreet | We finance 1-8 unit investor properties. RCN Capital states its fix and flip loans cover 1-4 family homes, condos and townhomes. |
| Property in any state, including DC | LendingStreet | We lend in all 50 states and DC. Lima One states it lends across 46 states, and Dominion Financial lists 49 states plus DC. |
In the San Fernando Valley, Van Nuys, North Hollywood, Reseda, Canoga Park and Sun Valley offer post-war ranch homes that flip well with permitted additions. Northeast LA, including Highland Park, Eagle Rock and El Sereno, has older craftsman and Spanish homes with strong design-driven demand. South LA, Leimert Park and nearby Inglewood draw buyers looking for value close to the city.
Long Beach and the Antelope Valley, including Lancaster and Palmdale, offer different price levels. Every pocket has its own resale ceiling, so pull close comparables and be careful with ARV on unusual homes.
Many LA homes have unpermitted additions or garage conversions. Buyers, appraisers and lenders notice, so plan to legalize or remove unpermitted work. Permits run through the Los Angeles Department of Building and Safety inside the city, and through LA County or the local city elsewhere. Historic Preservation Overlay Zones add design review for exterior work.
Older homes may need foundation bolting, sewer line work, electrical upgrades and lead-safe practices. Insurance availability in high fire hazard areas has tightened, which affects your buyer's costs. If you flip a duplex or other multi-unit building with tenants, the city's rent stabilization rules may apply to older buildings, so get local advice first.
Most LA investors compare a local bank, a local hard money lender, a private individual and an investor lender like LendingStreet. The table below describes typical patterns; individual lenders vary.
| What flippers need | LendingStreet | Typical local bank | Typical local hard money lender | Private individual lender |
|---|---|---|---|---|
| Leverage on purchase and rehab | Up to 90% of cost and up to 100% of rehab on some programs | Often lower; rehab funding varies | Varies; rehab coverage differs | Varies by person |
| Closing speed | As little as 10 days | Often several weeks or more | Often fast | Can be fast; depends on the person |
| Loan size | $150,000 to $5M+ | Varies; may limit investor loans | Often smaller balances | Limited by one person's capital |
| Property types | 1-8 unit investment property | Varies | Varies | Varies |
| Long-term option | Refinance into a 30-year DSCR rental loan | Varies; may want tax returns | Usually short-term only | Usually short-term only |
| Where they lend | All 50 states and DC | Usually a local footprint | Usually local or regional | Usually local |
This example is illustrative and not a quote. An investor buys a Van Nuys ranch home for $925,000 with a $175,000 rehab budget, for a total project cost of $1,100,000. The loan covers 85% of the purchase ($786,250) plus 100% of the rehab, for a total loan of $961,250, about 87.4% of total cost.
The investor brings $138,750 toward the purchase plus about $13,875 in buy-side closing costs. The estimated monthly interest-only payment is about $8,411, which assumes the full loan is out for the whole 7-month hold (rehab funds are usually drawn over time, so actual interest is often lower). Taxes, insurance and utilities add about $1,400 a month.
The house sells for $1,395,000. Assuming selling costs of about 6% of the price ($83,700) plus $7,812 in transfer tax (LA County and City transfer taxes at $5.60 per $1,000, paid by the seller), the estimated profit before income taxes is about $120,936 on about $221,302 of cash invested.
| Item | Amount |
|---|---|
| Purchase price | $925,000 |
| Rehab budget | $175,000 |
| Total project cost | $1,100,000 |
| Loan on purchase (85%) | $786,250 |
| Rehab financed (100%) | $175,000 |
| Total loan | $961,250 |
| Loan as share of total cost | 87.4% |
| Estimated monthly interest-only payment | $8,411 |
| Estimated interest over 7 months | $58,877 |
| Taxes, insurance and utilities over 7 months | $9,800 |
| Buy-side closing costs (estimate) | $13,875 |
| Sale price (ARV) | $1,395,000 |
| Selling costs (about 6%) | $83,700 |
| Transfer tax on sale | $7,812 |
| Estimated profit before income taxes | $120,936 |
| Cash invested (estimate) | $221,302 |
Los Angeles County charges a documentary transfer tax of $1.10 per $1,000, and the City of Los Angeles adds its own transfer tax of $4.50 per $1,000, for $5.60 per $1,000 inside city limits. The city also applies an extra tax on sales above roughly $5 million under Measure ULA. That threshold adjusts and the rules have faced reform proposals, so confirm current figures.
California reassesses property at purchase under Proposition 13, so budget holding-period taxes on your price. Resale timing in LA depends on price band and season, and permitted, well-finished homes sell faster than homes with open permit questions.
Put the same short list of questions to every lender you talk to. The answers tell you more than a headline rate.
LendingStreet's answers: we fund up to 90% of cost and up to 100% of rehab on some programs, close in as little as 10 days, lend to LLCs as standard, size loans from $150,000 to $5M+ with more review on larger balances, and refinance finished rentals into DSCR loans at a 1.0x standard minimum, with seasoning that varies by program.
Selling is the usual exit, but keeping the house is a real option with LendingStreet. A DSCR refinance qualifies on rent rather than personal income, with a 620 minimum credit score, a 1.0x standard minimum DSCR and 30-year terms. Our guide at /bridge-to-dscr-loan-guide.html walks through it.
One lender for both exits keeps the paperwork simple. Call (877) 298-1001 to talk through your plan.
Our top pick is LendingStreet. We fund up to 90% of cost and up to 100% of rehab on some programs, close in as little as 10 days, and offer a DSCR refinance if you keep the house. Get a quote with the form below.
Yes. LendingStreet lends throughout the Los Angeles area and all of California, along with all 50 states and DC, on 1-8 unit investment properties.
Yes. Our fix and flip loans run from $150,000 to $5M+, and larger balances get more review. Bring your budget, scope and comparable sales.
Inside the City of Los Angeles, county and city transfer taxes total $5.60 per $1,000, and higher-priced sales can face an extra Measure ULA tax. Confirm current rules with your escrow officer.
Often, yes. Unpermitted space can hurt value and slow a sale. Plan the permit process into your timeline and budget.
Fix and flip loans run from $150,000 to $5M+, up to 90% of cost and up to 100% of rehab on some programs. Larger balances get more review and usually a full valuation.
In as little as 10 days with a complete file. Have the contract, scope, budget and entity documents ready, then call (877) 298-1001.
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