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201-643-6650

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Our Loan Programs

Fix & Flip

Ground-up

Bridge

Rental

Short-term financing for purchasing and fixing up investment properties

Rates start at 10.25%
No-Points Loans
Close 7-15 days

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Build your next investment property from the ground-up

Rates start at 10.25%
No-Points Loans
Close 7-15 days

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Bridge financing to purchase, refinance, or reposition investment properties

Rates start at 10.25%
No-Points Loans
Close 7-15 days

Apply Now More Info

Build a portfolio of rental properties to maximize your passive income

Rates start at 6.875%
No-Points Loans
DSCR from 0.75x

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Accolend lends to real estate investors all across Orange County. Every day a deal sits without money behind it, you risk losing it to another buyer. That’s why we built our whole lending process around speed and certainty. We are not a broker. We don’t shop your file around to other lenders. We fund the loan ourselves, in house, so you can get to the closing table in days, not weeks.

Orange County moves fast right now. Homes for sale are scarce, with only about 2.5 months of supply for most single-family homes. Well-priced properties are going under contract in under two weeks in many areas. In a market like this, waiting on financing can cost you the whole deal. Whether you’re flipping a dated home in Santa Ana, buying a value-add duplex in Garden Grove, or breaking ground on new construction in Irvine, we know these markets and we fund in them.

Accolend is a true direct lender. That means every decision on your loan is made in house, not by some outside committee. Because we handle underwriting, servicing, and funding ourselves, we move fast. You won’t lose a deal waiting on approval. Our team looks at the real value of your project, not just a checklist. Every deal gets reviewed on its own merits by people who understand real estate investing.

What sets us apart:

Speed & Certainty: Close in 7-15 business days with in-house underwriting and funding.
No-Points Loan Programs: Keep more of your cash at closing. Put it toward renovations, new deals, or growing your portfolio in Orange County.
Investor-Focused Underwriting: We look at the asset, your strategy, and the potential upside. Real investment insight, not a one-size-fits-all formula.

Accolend has funded over $1B+ across 1450+ deals nationwide. That kind of track record only comes from years of active lending in real market conditions. In Orange County, we’ve funded fix and flip projects in Anaheim, ground-up construction in Costa Mesa, and rental portfolios in Fullerton. This track record isn’t just a number. It shows the range of problems we’ve solved for investors working in this county.

Our underwriting team looks closely at leverage, renovation scope, and how liquid the local market is. That way, your loan actually fits your timeline and your exit plan. It’s not a generic template. That’s why so many Orange County investors come back to Accolend for their second, third, and tenth deal. Consistent execution builds trust. And trust builds portfolios.

Funding is just one part of a successful investment. Accolend’s lending team walks you through underwriting, draw requests, and closing timelines every step of the way. Nothing should catch you off guard mid-deal. Our support doesn’t stop once you close. We stay with you from your first quote through funding and servicing, so you always know what’s happening.

Whether you’re flipping your first house in Garden Grove or managing several projects as a developer in Irvine, our team understands how Orange County’s market actually works. Our loan portal gives you real-time updates and secure document upload. You’ll always know exactly where your deal stands.

Accolend lends across 39+ states. That gives us the capital reserves and backing to fund your deal with certainty, even when rates are moving. That kind of scale means we can move fast, no matter the size of your project. We can fund a single fix and flip on a small Fullerton bungalow just as easily as a ground-up multifamily build in Anaheim.

We know Orange County’s permitting rules and market shifts well. Local details won’t slow down your funding. Our financial stability holds steady through any market cycle, not just the good ones. Being a national lender doesn’t pull us away from local markets. It’s what lets us focus on them even harder.

Hard Money Loans in Orange County

Orange County has a real opportunity for investors who can move fast. That includes dated single-family flips in Santa Ana and new infill construction in Costa Mesa. Competition for good deals is fierce. Well-priced homes are going under contract in a matter of days, so the speed of your financing often decides whether you close the deal or lose it. Smart investors are turning overlooked properties into strong assets, but only if their capital moves as fast as the market does.

A hard money loan is short-term financing secured by the property itself, not your credit score or income history. That’s what makes it faster to approve and close than a traditional loan, often in 7-15 business days. Accolend handles underwriting in house and structures every loan around your investment goals. That means same-day term sheets and instant pre-approvals, so you can act the moment you find a deal. If you’re ready to take advantage of what Orange County has to offer, get started with a free consultation today.

Close in as few as 7 days with a direct lender who knows the market.

Apply Now

Fix and Flip loans in Orange County

Accolend’s fix and flip loans are built for investors who need to buy and renovate fast. We fund both the purchase and the rehab, giving you the leverage to stretch your capital further and grow your portfolio. Orange County’s older homes in areas like Santa Ana, Anaheim, and Fullerton still offer strong resale value once they’re renovated well. Faster closings mean less time waiting on your lender and more time getting your property back on the market while demand is strong.

Leverage: Up to 90% of purchase price and up to 100% of rehab costs
Rates: Starting at 10.25% with no points
Timeline: Close in 7-15 business days

Bridge loans in Orange County

A bridge loan gives you short-term capital to close the gap between where you are now and where you need to be. Investors use bridge loans to buy a new property before selling an old one, stabilize a property before refinancing into long-term financing, or jump on a time-sensitive deal in a competitive market. Accolend offers instant pre-approvals and same-day term sheets, so you have certainty before the window on a deal closes.

Leverage: Up to 75% of purchase price
Rates: Starting at 10.25% with no points
Timeline: Close in 7-15 business days

Construction loans in Orange County

Accolend’s construction loans are built for builders and developers. We finance land purchases and vertical construction across Orange County’s growing areas, from master-planned communities in Irvine to infill multifamily projects in Anaheim. Building from the ground up isn’t simple. You’re managing city permits, draw schedules, and a budget that has to hold up through every phase. Our team understands how all of these pieces fit together in this county.

Our draw process is built to keep your project moving, releasing funds as you hit milestones instead of holding you up in paperwork. This loan works well for experienced developers building single-family, multifamily, or mixed-use properties in a county where land is scarce and demand for new construction stays strong.

Leverage: Up to 65% of land purchase and up to 100% of construction costs
Rates: Starting at 10.25% with no points
Timeline: Close in 7-15 business days

DSCR loans in Orange County

Accolend’s rental property loans let you qualify based on the property’s cash flow alone. There’s no personal income check required. Your growth isn’t capped by your W-2 or tax returns, only by how strong the deal is. Use a DSCR loan to buy a new rental or refinance one you already own. The loan is structured around what the property earns. Rental demand stays strong across job hubs like Irvine, Costa Mesa, and Fullerton, driven by renters priced out of buying in a county where the median home now costs well over a million dollars. In a buy-and-hold market like this, speed and certainty matter just as much on the rental side as they do when you’re buying.

Leverage: Up to 80% of purchases
DSCR Minimum: As low as 0.75x
Rates: Starting at 6.875% with no points

Fix and Flip purchase loan funded for a multifamily property in North Plainfield NJ with $415k loan and $43k construction budget

Fix and Flip | Purchase North Plainfield, NJ Property Type: Multifamily Loan amount: $415,000 Construction Budget: $43,000

Fix and Flip refinance loan funded for a condo in Brooklyn NY with $4M loan and $220k construction budget

Fix and Flip | Refinance Brooklyn, NY Property Type: Condo Loan amount: $4,000,000 Construction Budget: $220,000

Fix and Flip purchase loan funded for a single family home in Philadelphia PA with $115k loan and $45k construction budget

Fix and Flip | Purchase Philadelphia, PA Property Type: Single Family Residence Loan amount: $115,000 Construction Budget: $45,000

Ground-Up refinance loan funded for a single family home in Westport CT with $2.1M loan and $1.5M construction budget

Ground-Up | Refinance Westport, CT Property Type: Single Family Residence Loan amount: $2,100,000 Construction Budget: $1,500,000

Fix and Flip purchase loan funded for a mixed-use property in Trenton NJ with $530k loan and $315k construction budget

Fix and Flip | Purchase Trenton, NJ Property Type: Mixed-use Loan amount: $530,000 Construction Budget: $315,000

Bridge purchase loan funded for a single family home in Maplewood NJ with $412k loan for 2-unit property

Bridge Loan | Purchase Maplewood, NJ Property Type: Single Family Residence Loan amount: $412,000 Unit Count: 2

Fix and Flip purchase loan funded for a triplex in Jacksonville FL with $290k loan and $123k construction budget

Fix and Flip | Purchase Jacksonville, FL Property Type: Triplex Loan amount: $290,000 Construction Budget: $123,000

Fix and Flip purchase loan funded for a multifamily property in New Brunswick NJ with $920k loan and $310k construction budget

Fix and Flip | Purchase New Brunswick, NJ Property Type: Multifamily Loan amount: $920,000 Construction Budget: $310,000

Bridge purchase loan funded for a multifamily property in Orange NJ with $1.6M loan for 11-unit building

Bridge Loan | Purchase Orange, NJ Property Type: Multifamily Loan amount: $1,600,000 Unit Count: 11

Rental cashout loan funded for a mixed-use property in Pemberton NJ with $605k loan for 6-unit property

Rental | Cashout Pemberton, NJ Property Type: Mixed-use Loan amount: $605,000 Unit Count: 6

Ground-Up purchase loan funded for townhouses in Ridgefield NJ with $3M loan and $2.115M construction budget

Ground-Up | Purchase Ridgefield, NJ Property Type: Townhouses Loan amount: $3,000,000 Construction Budget: $2,115,000

Ground-Up cashout loan funded for a duplex in Irvington NJ with $465k loan and $407k construction budget

Ground-Up | Cashout Irvington, NJ Property Type: Duplex Loan amount: $465,000 Construction Budget: $407,000

Fix and Flip refinance loan funded for a multifamily property in Brooklyn NY with $2.675M loan and $2.25M construction budget

Fix and Flip | Refinance Brooklyn, NY Property Type: Multifamily Loan amount: $2,675,000 Construction Budget: $2,250,000

Ground-Up purchase loan funded for a condo in Jersey City NJ with $850k construction budget

Ground-Up | Purchase Jersey City, NJ Property Type: Condo Loan amount: $338,000 Construction Budget: $850,000

Rental cashout loan funded for a single family home in Jersey City NJ with $437k loan and DSCR 1.08

Rental | Cashout Jersey City, NJ Property Type: Single Family Residence Loan amount: $437,000 DSCR: 1.08

Accolend funded Ground-Up purchase loan for a single family home in Short Hills NJ with $2.37M loan and $1.4M construction budget

Ground-Up | Purchase Short Hills, NJ Property Type: Single Loan amount: $2,375,000 Construction Budget: $1,400,000

Fix and Flip purchase loan funded for a condo in Medford MA with $965k loan and $240k construction budget

Fix and Flip | Purchase Medford, MA Property Type: Condo Loan amount: $965,000 Construction Budget: $240,000

Ground-Up purchase loan funded for a single family home in Columbus OH with $250k loan and $250k construction budget

Ground-Up | Purchase Columbus, OH Property Type: Single Loan amount: $250,000 Construction Budget: $250,000

Accolend funded Fix and Flip cash-out loan for a single family home in Riverview FL with $245k loan and $85k construction budget

Fix and Flip | Cashout Riverview, FL Property Type: Single Loan amount: $245,000 Construction Budget: $85,000

Fix and Flip purchase loan funded for a single family home in Commack NY with $980k loan and $250k construction budget

Fix and Flip | Purchase Commack, NY Property Type: Single Loan amount: $980,000 Construction Budget: $250,000

Bridge loan funded for a 23-unit multifamily property in Newark NJ with $2M loan

Bridge Loan | Purchase Newark, NJ Property Type: Multifamily Loan amount: $2,000,000 Unit Count: 23

Fix and Flip purchase loan funded for a single family home in Northridge CA with $990k loan and $400k construction budget

Fix and Flip | Purchase Northridge, CA Property Type: Single Loan amount: $990,000 Construction Budget: $400,000

Accolend funded Fix and Flip cash-out loan for a mixed-use property in Newark NJ with $5M loan and $1.1M construction budget

Fix and Flip | Cashout Newark, NJ Property Type: Mixed-use Loan amount: $5,000,000 Construction Budget: $1,100,000

Bridge cash-out loan funded for a 36-unit mixed-use property in Jersey City NJ with $8.6M loan

Bridge Loan | Cashout Jersey City, NJ Property Type: Mixed-use Loan amount: $8,600,000 Unit Count: 36

Accolend funded Fix and Flip loan for single family home in New Windsor NY with $330k loan and $90k construction budget

Fix and Flip | Purchase New Windsor, NY Property Type: Single Family Residence Loan amount: $330,000 Construction Budget: $90,000

Accolend funded Bridge loan for multifamily property in Irvington NJ with $2.83M loan for 18-unit apartment building

Bridge Loan | Purchase Irvington, NJ Property Type: Multifamily Loan amount: $2,830,000 Unit Count: 18

Accolend funded Ground-Up cashout loan for single family home in San Clemente CA with $2.7M loan & $2.06M construction budget

Ground-Up | Cashout San Clemente, CA Property Type: Single Family Residence Loan amount: $2,700,000 Construction Budget: $2,060,000

Accolend funded rental cashout loan for single family home in Monroe NY with $300k loan and DSCR 1.25

Rental | Cashout Monroe, NY Property Type: Single Family Residence Loan amount: $300,000 DSCR: 1.25

Fix and Flip loan funded for single family home in Westfield NJ with $1.05M loan and $380k construction budget

Fix and Flip | Purchase Westfield, NJ Property Type: Single Family Residence Loan amount: $1,050,000 Construction Budget: $380,000

Bridge loan funded for multifamily property in Irvington NJ with $3.08M loan for 19-unit apartment building

Bridge Loan | Purchase Irvington, NJ Property Type: Multifamily Loan amount: $3,080,000 Unit Count: 19

Ground-Up cashout loan funded for single family home in Philadelphia PA with $1.43M loan and $1.26M construction budget

Ground-Up | Cashout Philadelphia, PA Property Type: Single Family Residence Loan amount: $1,430,000 Construction Budget: $1,256,000

Rental cashout loan funded for single family home in Dallas TX with $165k loan and DSCR 1.12

Rental | Cashout Dallas, TX Property Type: Single Family Residence Loan amount: $165,000 DSCR: 1.12

Fix and Flip loan funded for single family home in Union NJ with $410k loan and $70k construction budget

Fix and Flip | Purchase Union, NJ Property Type: Single Family Residence Loan amount: $410,000 Construction Budget: $70,000

Fix and Flip loan funded for single family home in Los Angeles CA with $2,000,000 loan and $600,000 construction budget

Fix and Flip | Purchase Los Angeles, CA Property Type: Single Family Residence Loan amount: $2,000,000 Construction Budget: $600,000

Fix and Flip loan funded for single family home in Lafayette LA with $150,000 loan and $131,000 construction budget

Fix and Flip | Cashout Lafayette, LA Property Type: Single Family Residence Loan amount: $150,000 Construction Budget: $131,000

Fix and Flip loan funded for single family home in Millburn NJ with $1,100,000 loan and $450,000 construction budget

Fix and Flip | Purchase Millburn, NJ Property Type: Single Family Residence Loan amount: $1,100,000 Construction Budget: $450,000

Fix and Flip cashout loan funded for mixed-use property in Bronx NY with $5,950,000 loan and $5,600,000 construction budget

Fix and Flip | Cashout Bronx, NY Property Type: Mixed-use Loan amount: $5,950,000 Construction Budget: $5,600,000

Fix and Flip loan funded for single family home in Montclair NJ with $2,800,000 loan and $825,000 construction budget

Fix and Flip | Purchase Montclair, NJ Property Type: Single Family Residence Loan amount: $2,800,000 Construction Budget: $825,000

Bridge loan funded for multifamily property in East Orange NJ with $4,700,000 loan for 25-unit building

Bridge Loan | Refinance East Orange, NJ Property Type: Multifamily Loan amount: $4,700,000 Unit Count: 25

Bridge loan funded for single family home in Dix Hills NJ with $565,000 loan and no points

Bridge Loan | Purchase Dix Hills, NJ Property Type: Single Family Residence Loan amount: $565,000 No points

Ground-Up cashout loan funded for single family home in Long Island NY with $1,830,000 loan and $1,500,000 construction budget

Ground-Up | Cashout Long Island, NY Property Type: Single Family Residence Loan amount: $1,830,000 Construction Budget: $1,500,000

Rental purchase loan funded for single family home in Newark NJ with $275,000 loan and DSCR 1.13

Rental | Purchase Newark, NJ Property Type: Single Family Residence Loan amount: $275,000 DSCR: 1.13

Simple, Straightforward Requirements

Accolend approves loans based on the strength of the asset, not your personal finances. There’s no W-2s, no tax returns, and no debt-to-income math slowing you down. By cutting out the steps that hold up traditional lenders, we can close in days instead of weeks. Eligibility is mostly based on the asset. Here’s what you’ll generally need:

Minimum FICO Score: 620 for most loan programs, 650 for ground-up construction.
Investment Experience: No prior experience needed for Fix and Flip or DSCR loans.
Background Check: A clean background check with no recent felony convictions or major financial misconduct.
Loan Amounts: We lend between $115,000 and $8,000,000 depending on the loan program and market.
Property Requirements: Property must be a non-owner-occupied investment property located in an eligible market. Rural properties are not eligible.

We don’t require income verification or tax returns. Your deal’s potential is what matters most.

Eligibility Criteria to Get a Loan in Orange County

Minimal Paperwork for a Streamlined Process

We keep paperwork light so the process of hard money loans stays fast and simple. Every deal looks a little different, but you’ll typically need:

Personal Information Documents: Driver’s License, 2 Months’ Bank Statement, Proof of Experience if applicable, Social Security Card.
Property Information: Purchase Contract, Scope of Work, Property & Liability Insurance, Title Commitment.
LLC Information: Formation Doc, EIN, Operating Agreement, LLC Resolution.

Our team will give you a clear checklist made for your specific loan, so your path to closing stays smooth.

Documentation for Hard Money Loans in Orange County

Competitive Rates

We are a direct lender backed by institutional capital. With a low cost of capital, we pass the savings on to our clients, helping to protect their profit margins.

Fast Service

All processing, underwriting, and closing are handled in-house by our team members. This enables us to fully control and expedite the process to meet our clients' timelines.

Certainty of Execution

As a Direct Lender and Asset Manager, we have complete control over the underwriting process and our strategic direction. Our funding sources are diversified and have proven reliable across various market cycles.

No Points

We launched our signature no-points programs in 2016. Since then, they have saved our borrowers millions of dollars, and allowed our broker partners to better compete.

Your next investment starts here.
Secure funding for your next investment.

Apply in minutes

You provide us with the application, including property and deal information.

We send you the proposed terms of our loan, outlined in a term sheet that includes all relevant expenses and documentation requirements.

Our underwriting team sets up your loan on our website portal to ensure a smooth documentation submission process. We coordinate with vendors such as appraisal and inspection companies, title, insurance, and legal counsel to facilitate seamless communication.

We work with you, your legal counsel, and the title company to schedule a closing date. On the closing date, we review all executed documents from your lawyer or the title company/closing agent and wire the funds.

You reach out to our draw manager with your draw request. A property inspection will be scheduled to verify completed work, and upon satisfactory completion and review, we will fund the draw. Our closing agent will wire the funds per draw request.

Our servicing team will assist you with extension and/or payoff requests. Extension approval requires 30 days of advance notice and the completion of an extension application.

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TOP 10 STATES WHERE WE LEND

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Accolend’s rates start at 10.25% with no points and 8.25% with points.

Accolend can close a hard money loan in Orange County in 7-15 business days.

The minimum FICO score required for hard money loans in Orange County is 620.

Accolend can finance the following type of properties in Orange County for a hard money loan:

Single Family Residence (SFR)
2-4 Unit Properties
5+ Unit Properties
Condominiums
Town Houses
Mixed use

Accolend offers following type of hard money loans in Orange County:

Fix and Flip
Bridge
Ground-Up
DSCR
Rental

Yes, Accolend offers no-points loans in Orange County.

The minimum and maximum loan amounts offered by Accolend in Orange County depend on the type of loan. Generally, our loans range from $115,000 to $8 million. If you have a specific project in mind, reach out to our team for tailored financing options.

Sales Team Phone

201-643-6650 x 1 Email

sales@accolend.com