Bridge Loan Rates California 2026 — What Investors Need to Know
- Julian Perry
- Jul 10
- 2 min read
Updated: Jul 29
Everyone asks about the rate first.Fair enough. Let's talk about it.
Then let's talk about what actually matters more.
What are bridge loan rates in California right now?
In 2026, private bridge loan rates in California typically run between 9% and 12% depending on:
The property type
Your loan-to-value (LTV)
Your exit strategy
How fast you need to close
At South County Capital, our rates are competitive for the California market — and we'll give you a real number the same day you call. Not a range. A number.
"Isn't that higher than a bank?"
Yes. Here's why that doesn't matter.
Banks take 45-90 days to close.We close in 7-10 days.
In California real estate — Orange County, LA, San Diego — deals don't wait 90 days.Cash buyers don't wait. Other investors don't wait.
The cost of losing a deal is almost always higher than the cost of a bridge loan.
What do you actually need to qualify?
Not much compared to a bank:
The property address
Estimated value
Your exit strategy — are you selling, refinancing, or stabilizing?
Your timeline
No W-2. No tax returns. No income verification for most programs.We lend on the asset — not your paperwork.
LTV — how much can you borrow?
Most California bridge lenders go up to 65-75% LTV.The stronger your exit strategy and equity position, the better your terms.
How long is the loan term?
Typically 12 months with extension options if you need more time.Interest-only payments during the term — keeps your monthly costs down while you execute your plan.
When does a bridge loan make sense in California?
You're buying before your current property sells
You need to close fast — days, not months
You're refinancing out of another hard money loan
You need to stabilize or renovate before getting permanent financing
The deal is competitive and won't wait
You're in probate or a trust situation and need quick access to equity
Bridge loan vs HELOC — which is better for investors?
Bridge loan wins for real estate transactions every time.HELOC takes too long to set up and has draw limitations.Bridge loan gives you a lump sum, fast, secured by the property.For investors moving on a deal — there's no comparison.
What cities in California do we lend in?
Orange County. Los Angeles. San Diego. Riverside. San Bernardino. Sacramento. Bay Area. And everywhere in between.
If the property is in California and the deal makes sense — we can fund it.
Ready to get a rate on your deal?
Don't guess. Call us and we'll give you real numbers in minutes.
📞 Call or text: (949) 874-1973
California DRE License #01884316
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