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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