California’s Private Capital Wins in a Shifting Market

If you're a real estate investor in California, you’ve felt it.
Lenders are tightening. Approvals are slower. And deals are falling through — even when the equity’s solid.

In a market like this, speed matters more than spreadsheets. That’s where private capital comes in.

Why Traditional Lending Is Failing Real Deals

As of mid-2025, banks and mortgage lenders are risk-averse.
Interest rate whiplash, stricter underwriting, and income documentation hurdles are sidelining good borrowers daily.

We see it across SoCal:

• Investors denied because they write off too much income

• Flippers stuck waiting on appraisals and full doc approval

• Borrowers mid-divorce, mid-BK, or mid-project — told no with no alternative

Time-sensitive deals don’t fit traditional timelines. Private capital does.

The Solution: Asset-Based Lending Built for Speed

At TMireBroker & Co., we fund deals based on the asset — not the FICO score or paystubs.

If the equity’s there and the numbers make sense, we move fast — no tax returns, no red tape.

We structure:

• First, second, and even third-position loans

• Fix & flip funding with rehab draws

• Cash-out refinances for strategy pivots

• Bridge loans to buy before you sell

Whether you’re in Long Beach, Ontario, or Inland Empire — we’re local, direct, and ready to move.

Real Scenarios in 2025 California

• Investor in Long Beach denied by their bank — funded in 5 days with private capital

• Seller in foreclosure in Riverside — saved with a 12-month bridge

• Flipper in San Bernardino County delayed mid-project — got rehab capital same week

These aren’t one-offs. This is weekly reality.

Why Private Capital Matters More in a Shifting Market

California’s real estate market isn’t crashing — it’s adjusting.
That adjustment is causing friction:

• Sellers want speed

• Buyers can’t qualify

• Inventory is sitting because deals fall apart late

Private capital fills the gap — quietly, efficiently, and without making people jump through outdated hoops.

Let’s Talk Strategy — Not Sales

You don’t need to “apply.”
You need a quick strategy call with someone who understands the deal, the market, and the pressure behind it.

We’ll look at your scenario, lay out the options, and give it to you straight — no pressure, no BS.

Want to explore your private capital options?
We’ll review your situation — no obligation, no fluff.

➡️ Learn More or Connect Now
📞 Or contact Troy Mire directly at (562) 244-7963