In California, even small investment properties carry big balances, and the plan has to account for reassessment, transfer taxes, rent rules and insurance. A large bridge lender needs to fund quickly and understand the exit. Here is how to compare your options, and why LendingStreet is our top pick.
In short: Our top pick for large bridge loans in California is LendingStreet. We fund $1M to $5M+ residential investor bridge loans on 1-8 unit property, with rates from 7.99%, interest-only payments and closings in as little as 10 days. We also offer the exit, a DSCR or jumbo DSCR refinance once the property is leased, and we lend statewide. Larger balances are reviewed case by case and usually need a full valuation.
California prices mean a modest 4-unit building can need a $2M bridge loan. For those deals, our top pick is LendingStreet. Our bridge program runs from $150,000 to $5M+, and this page focuses on $1M to $5M+ residential investor loans, with larger balances reviewed case by case. Rates start from 7.99%, loans are short-term and interest-only, and we can close in as little as 10 days.
We lend on non-owner-occupied 1-8 unit investment property statewide, from Los Angeles and Orange County to San Diego, the Bay Area and Sacramento. We also offer the exit: a refinance into a DSCR or jumbo DSCR loan with us once the property is leased, or a sale.
It fits investors adding ADUs, repositioning small multi-unit buildings, renovating high-value homes, buying packages of rentals or paying off a maturing loan. Get a quote with the form below or call (877) 298-1001.
If you are weighing CoreVest, Dominion Financial, Lima One and Roc Capital for a large bridge loan for investors in California, this is the short version: LendingStreet wins the scenarios below, and you can get a quote with the form below.
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 |
|---|---|---|
| Bridge loan above $3M | LendingStreet | Our bridge program runs from $150,000 to $5M+. CoreVest states single-asset bridge loans from $75K to $2M+, and Roc Capital states stabilized bridge loans up to $3,000,000. |
| Bridge close in about 10 days | LendingStreet | We can close in as little as 10 days. CoreVest states its bridge loans typically close within 2 to 4 weeks. |
| 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. |
The reasons are familiar, but the dollar amounts are bigger than almost anywhere else.
Here is a general comparison by lender type. Individual lenders vary.
| What investors need | LendingStreet | Typical bank or credit union | Typical hard money lender |
|---|---|---|---|
| Closing speed | As little as 10 days | Often 30 to 60+ days | Often fast |
| $1M to $5M+ balances | Yes; larger reviewed case by case | Varies; often relationship based | Often capped by the lender's funds |
| Pricing | Rates from 7.99% | Varies; full income review | Varies, often higher |
| Structure | Short-term, interest-only | Often amortizing or construction draws | Interest-only |
| Long-term exit | DSCR or jumbo DSCR refinance with us | Varies | Usually refinance elsewhere |
| Coverage | All of California, all 50 states and DC | Often regional | Often one metro |
This example is illustrative and not a quote. An investor buys a 4-unit building in San Diego for $2,600,000 and budgets $200,000 to renovate and add an ADU, for a total cost of $2,800,000. The bridge loan is $2,100,000, or 75% of total cost.
After the work, the property has five rentable units at about $4,000 each and is valued at $3,500,000. A DSCR refinance at 64% of value, $2,240,000, pays off the $2,100,000 bridge with about $140,000 left before closing costs. The new loan's DSCR is about 1.08x. Property taxes here reflect reassessment at the new purchase price, not the seller's old bill.
| Line item | Amount |
|---|---|
| Bridge loan (75% of $2,800,000) | $2,100,000 |
| Estimated interest-only payment | $16,188 per month |
| Estimated interest over 9 months | $145,688 |
| DSCR refinance (64% of $3,500,000) | $2,240,000 |
| Estimated principal and interest | $15,054 per month |
| Taxes and insurance (estimate) | $3,500 per month |
| Rent (5 x $4,000) | $20,000 per month |
| Refinance DSCR | About 1.08x |
In California, a purchase triggers reassessment, so the property tax bill resets to roughly the base rate plus local voter-approved charges on your price. A seller who owned for decades may have a much smaller bill than yours. Budget the new figure for both the bridge carry and the DSCR exit.
Counties charge a documentary transfer tax, and some cities, including Los Angeles, San Francisco, Oakland and Berkeley, add their own, sometimes with higher tiers on large sales. Insurance is a growing issue in wildfire-exposed areas, where some owners rely on the state's insurer of last resort. Get a quote before you remove contingencies.
California has a statewide cap on annual rent increases for many rentals, with exemptions, plus just-cause eviction rules. Los Angeles, San Francisco, Oakland and other cities have stricter local rent control. If your plan depends on raising rents after renovation, confirm which rules apply to the building and model the refinance on rents you can actually charge.
Short-term rentals are tightly regulated in many California cities, often limited to a primary residence, so underwrite most large urban properties as long-term rentals. Check with the city or county.
Larger balances usually need a full valuation of the as-is and after-repair value. If you plan to sell, check comparable sales at your price. If you plan to hold, confirm the finished rent covers a DSCR payment at the standard 1.0x minimum. Max LTV on larger DSCR loans varies by program. Leave room in the timeline for permits and inspections on ADU or unit work, since city approval schedules often decide when units can lease. Nine or more units is commercial; see /commercial.html.
Put the same questions to every lender:
Our bridge program runs from $150,000 to $5M+, with larger balances reviewed case by case and leverage that varies by program. We can close in as little as 10 days, rates start from 7.99%, and LLC borrowers are standard. For the exit, our DSCR and jumbo DSCR loans use a standard 1.0x minimum, with sub-1.0 programs on some files and seasoning that varies by program.
Have a California deal in escrow or a loan coming due? Get a quote with the form below or call (877) 298-1001.
Our top pick is LendingStreet, for $1M to $5M+ residential investor bridge loans with rates from 7.99%, closings in as little as 10 days and a DSCR or jumbo DSCR refinance exit with us.
Yes. We lend throughout California, including Los Angeles, Orange County, San Diego, the Bay Area and Sacramento, and in all 50 states and DC.
It can fund renovation on 1-8 unit investment property, including adding units where local rules allow. Bring plans, permits and a contractor bid.
Your tax bill resets based on your purchase price, so budget the new figure for carrying costs and for the DSCR refinance.
It can. If rent increases are capped, we size the DSCR refinance on rents you can actually charge.
Yes, 1-8 units is residential with us. Nine or more units is commercial.
As little as 10 days with a complete file. Larger balances usually need a full valuation, so order it early.
2-3 competing quotes from 30+ capital sources. No credit pull. No commitment.
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