How a $630K Private Money Loan Closed Fast on a Riverside Triplex

🔥 High Rates? No Problem — Investors Are Doubling Down with Private Capital

While many headlines talk fear, California’s investors are doing the opposite — they’re pushing forward with strategy, equity, and speed.

Just this week in Riverside, a seasoned investor put a triplex under contract for $895,000. Traditional lending? Off the table. Self-employment and seasoning issues blocked the bank route. But that didn’t stop the deal.

Instead, we funded $630,000 in private capital at 11.25%, first-position — no income docs, no tax returns, and no friction.

This is exactly how experienced players are navigating today’s high-rate climate: by skipping red tape and leaning on real leverage.

Troy’s Take: “The strongest leverage in this market isn’t price — it’s position. And private capital puts you in control.”

The Shift We’re Seeing

With 30-year fixed mortgage rates above 7%, the retail market is slowing — but the investment market is moving fast. Why? Because deals are still everywhere for those who can move decisively.

We’re seeing strong activity in:

• 2–4 unit income properties

• Mid-rehab flips or value-add holds

• Fast-close opportunities with motivated sellers

• Investors using BRRRR or DSCR exits once seasoning clears

The common theme? Private capital makes the timeline work.

This Isn’t a Backup Plan — It’s the Right Tool

When you know your deal and have a path forward, you don’t need a perfect borrower file. You need a partner who gets it.

That’s why we’re seeing California investors lean into equity-backed funding instead of chasing rate-based approvals. They’re buying time, controlling their timelines, and structuring around the real asset — not underwriting delays.

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