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Fix & Flip · California

Fix & flip loans in California — fund the deal, keep your cash.

Mortava fix & flip loans in California: 620+ FICO, up to 95% LTC + 100% of rehab, 12–18 month terms — statewide.

California is high-value properties where interest-only DSCR and bridge financing help investors manage payment-to-rent ratios. Mortava funds flips statewide — up to 95% LTC plus 100% of rehab, draws within 24 hours, and 2-hour term sheets — so you can move fast on deals in Los Angeles, San Diego, Sacramento and beyond.

Up to 95% LTC + 100% of the rehab funded
Rehab draws reimbursed within 24 hours
First-time flippers welcome (620+) · close in 7–10 days
Send your California project
2-hour term sheet · no hard credit pull.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why flippers finance California projects with Mortava

In a market like California, speed and leverage decide your margin. Mortava funds up to 95% of cost plus the full rehab, reimburses draws within 24 hours, and sends indicative term sheets in about two hours — so you can compete on Los Angeles, San Diego, Sacramento, Riverside deals and recycle capital into the next project faster.

California deals are won on structure: at Los Angeles and San Diego price points, interest-only options and 40-year terms are often what makes the payment-to-rent math work. Investors here typically trade current yield for long-run equity.

Top metros we fund
Los Angeles, San Diego, Sacramento, Riverside
Max leverage
Up to 95% LTC + 100% of rehab
Speed
Draws in 24h · close in 7–10 days · 2-hr term sheets
Terms
12–18 months · up to $5M · FICO 620+
Guidelines reviewed July 2026 by the Mortava lending team.

California fix & flip loan FAQ

Can I get a fix and flip loan in California?
Yes. Mortava funds fix & flip projects across California, including Los Angeles, San Diego, Sacramento, Riverside. We lend up to 95% of loan-to-cost plus 100% of the rehab budget, so you keep cash in the deal.
How much can I borrow on a California flip?
Up to 95% of the purchase price (LTC) plus 100% of your rehab budget, capped at roughly 75% of the after-repair value (ARV). Loan amounts up to $5M in California.
Do you fund first-time flippers in California?
Yes — first-time flippers are welcome in California with a 620+ FICO. Stronger credit and prior projects unlock higher leverage.
Do you fund flips in Los Angeles and San Diego?
Yes — Los Angeles, San Diego, Sacramento, Riverside and every other California market. Leverage and pricing are driven by your experience, FICO, and the deal's numbers, not the zip code.
Can I BRRRR a California property instead of selling it?
Yes. Many California investors renovate with a Mortava flip loan in markets like Los Angeles, rent the property, then refinance into a 30-year DSCR loan — the BRRRR playbook. We finance both stages.
Fix & flip loans by state
Flip in WisconsinFlip in WyomingFlip in AlabamaFlip in AlaskaFlip in ArizonaFlip in ArkansasFlip in ColoradoFlip in ConnecticutFlip in DelawareFlip in FloridaFlip in GeorgiaFlip in Hawaii
All Fix & Flip programs → DSCR loans in California → Instant quote & pre-qualify →
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