Accolend: Best Hard Money Lender in Los Angeles

No Points Private Lender for real estate investors

Why Los Angeles Investors Choose Hard Money Loans

Hard Money Loans Los Angeles

Los Angeles is one of the most competitive real estate markets in the U.S. Traditional financing often moves too slowly for time-sensitive deals. That’s where hard money loans come in. Designed for speed, flexibility, and asset-backed lending, these loans give investors the edge they need in LA’s high-stakes real estate game. Thus you need Accolend like hard money lender in los angeles.

Meet Accolend: LA’s Trusted Private Lender

At Accolend, we offer no-points hard money loans across 40 states, including deep expertise in the Los Angeles market. We understand what investors, developers, and brokers need—fast closings, flexible terms, and a partner who says "yes" when others say "no."

Our Loan Programs for Los Angeles Real Estate Investors

Fix and Flip Loans Los Angeles

Ideal for short-term renovation projects. Navigating the world of fix and flip loans is clearer with our tailored financing options, designed to meet the needs of investors at every stage of their journey. For those just starting out, our program for first-time investors offers substantial leverage, funding up to 80% of the purchase price and 100% of the rehab costs, with a total loan-to-cost (LTC) ratio of up to 80%. The loan-to-value against the after-repair value (LTV ARV) extends up to 65%, requiring a minimum FICO score of 660 to qualify.

For the seasoned professional, the terms become even more attractive. Experienced investors can secure up to 85% on both the purchase and total LTC, allowing for less cash out-of-pocket. The LTV ARV also sees a boost to 70%, and the minimum FICO requirement is lowered to 620, rewarding your proven track record.

Regardless of your experience level, all our fix-and-flip loans feature competitive terms to get your project funded and completed. Both new and experienced investors can enjoy interest rates starting from 8.5% (with points) or 10.50% (without points). These 12-month loans are available for a wide range of property types, including SFR, 2-4 family homes, condos, townhouses, and multifamily units, with loan amounts ranging from $115,000 to $3 million.

New Construction Loans Los Angeles

Building from the ground up in LA? Our construction loans fund residential or multi-unit builds with competitive rates and easy draw schedules.

For experienced developers and builders ready to break ground on a new project, Accolend offers a specialized Ground-Up Construction loan program designed to bring your vision to life. This financing is structured to support your project from scratch to completion. Under this program, you can receive financing for up to 60% of the land purchase (Purchase LTC) and an impressive 100% of your construction costs. The total loan is based on up to 75% of the total hard costs and 65% of the project's after-repair value (ARV), ensuring you have the capital needed to see your project through.

This loan is tailored for seasoned professionals, as experience is a requirement to qualify. Applicants will need a minimum FICO score of 650. The financing is flexible, covering a range of property types including single-family homes, multifamily residences, mixed-use properties, condos, and townhomes. With loan amounts starting at a minimum of $300,000 and going up to $8 million, the program is equipped to handle projects of significant scale. Interest rates are competitive, starting from 8.5% with points or 10.7% without points. The loan terms are structured to match the timeline of new construction, offering terms of up to 24 months to provide ample time for development and sale.

DSCR Rental Loans Los Angeles

Refinance or buy-and-hold rental properties using the property's cash flow, not your income. Perfect for LA landlords and Airbnb investors. For real estate investors looking to acquire or refinance rental properties without relying on personal income verification, Accolend's DSCR (Debt Service Coverage Ratio) loans offer a streamlined path to financing. This program is built around the property's ability to generate enough income to cover its debt obligations. The general terms are designed to be flexible, featuring interest rates from 7.25%, a minimum FICO score of 640, and available "no points" programs. These loans cater to a variety of investment properties, including 1-8 family homes, condos, and townhouses, with a minimum loan amount of $150,000 and project-specific maximums.

The specific terms of the DSCR loan vary depending on whether you are purchasing a new property or refinancing an existing one.

  • For a Purchase: Investors can leverage up to 80% of the property's value (LTV). A key advantage for new investors is that prior experience is not required. The underwriting focuses on the asset's potential, requiring the property's income to be at least 75% of the total debt service (a 0.75x minimum DSCR), meaning the property doesn't need to be fully cash-flow positive at the time of purchase.

  • For a Refinance: The terms are slightly different, reflecting the existing nature of the investment. The maximum LTV is up to 75%. For refinancing, prior landlord experience is a requirement. Lenders look for a stronger cash flow position, requiring the property's income to fully cover or exceed the mortgage and associated debts (a 1x minimum DSCR).

Bridge Loans Los Angeles

Bridge the gap between purchase and long-term financing. Great for short sales, auction properties, or delayed refinancing.

For real estate investors who need short-term financing to seize an opportunity, Accolend provides a flexible and accessible Bridge Loan program. This type of loan is an ideal solution for stabilizing a property, making light renovations, or "bridging" the gap until long-term financing is secured or the property is sold. One of the key advantages of this program is its accessibility; prior investment experience is not required, and the minimum FICO score is a manageable 620, opening the door for a wide range of investors.

Accolend’s bridge loans are designed to accommodate various investor needs with clear and competitive terms. For new acquisitions, you can secure up to 75% of the purchase loan-to-cost (LTC). If you're looking to improve your position on an existing property, the program offers a standard refinance option with a loan-to-value (LTV) of up to 65%, and a cash-out refinance option with an LTV of up to 60%.

The financing terms are consistent and straightforward across the board. Rates start from 8.5% with points or 10.50% without points, for a standard 12-month term. This program is versatile, covering single-family, multifamily, mixed-use properties, condos, and townhomes. With loan amounts ranging from $115,000 to a substantial $8 million, Accolend’s bridge loans can support a diverse array of project sizes and investment strategies.

Speed and Simplicity That Outpaces Banks

Traditional lenders demand tax returns, perfect credit, and months of underwriting. Accolend doesn’t. We focus on the asset, not the paperwork. Our streamlined process includes:

  • 24-hour pre-approvals

  • No personal income verification

  • Common-sense underwriting

  • Direct access to underwriters and decision-makers

Where in Los Angeles Do We Lend?

Everywhere. From up-and-coming pockets like Inglewood and North Hollywood to high-demand zones like Santa Monica, Echo Park, Silver Lake, and West LA, Accolend funds projects in all neighborhoods, including:

California Single-Family Home Prices (2000–2025): A Historical Overview

Over the past 25 years, California’s single-family home prices have experienced dramatic shifts—rising, falling, and surging again in ways that mirror the state’s economic highs and lows. From the early 2000s housing boom to the 2008 crash, followed by a decade-long recovery and the COVID-era real estate frenzy, California's housing market has been anything but predictable.

California Single-Family Home Prices (2000–2025): A Historical Overview California home prices from 2000 to 2025 tell a wild story—booms, busts, and record highs. #CaliforniaRealEstate #HousingMarket #HomePrices #RealEstateTrends #FixAndFlip #HardMoneyLoans #PropTech #InvestSmart

Accolend (@accolend.bsky.social)2025-06-24T19:29:59.791Z

This in-depth look at home price trends from 2000 to 2025 reveals how factors like tech industry growth, interest rate fluctuations, migration patterns, and investor activity have shaped the state’s real estate landscape. Whether you're a homeowner, investor, or policy maker, understanding these trends offers valuable insight into what’s driving one of the most talked-about housing markets in the country.

Why Investors Trust Accolend

No Points. No Junk Fees.

Other lenders sneak in origination points, underwriting fees, and processing charges. We don’t. What you see is what you pay.

Transparent Terms

Fixed rates, defined timelines, and no surprises. We explain everything upfront, so you can move with confidence.

Local Expertise

We’ve helped fund everything from mid-century flips in Highland Park to new duplex builds in West Adams. We know the zoning, trends, and risks that come with the LA market.

Nationwide Reach

Hard money lenders Los Angeles

Accolend Nationwide Hard Money Lender

Need to expand beyond LA? We lend in 40 states and support multi-market investors building nationwide portfolios.

What Our Clients Say

"The Accolend team was easy and amazing to work with. They were professional, great communicators, and truly cared about our project, deadlines, etc. Can't recommend them enough. Really looking forward to working together again on our next project."
Sarah Chancey

"The best and the fastest financing service. I am grateful for making the whole buying process seamless and reasonable priced. Everyone was really knowledgeable and helpful. Done number of purchases with Accolend and my go to place for any financing needs. Highly recommend it."
Lena Sklyut

Pro Tip: Speed is Everything in LA Real Estate

In a city where properties can go under contract the same day they’re listed, being pre-approved by a trusted hard money lender like Accolend gives you a competitive edge. You can bid confidently, knowing your funds are lined up.

Get Pre-Approved Today

If you're an LA real estate investor or brokers who needs funding that works on your timeline, Accolend is ready to help. Skip the banks, avoid the points, and work with a lender who understands your business.

👉 Apply now at www.accolend.com Or call us directly at 201-643-6650

Frequently Asked Questions

Q: How fast can Accolend close a hard money loan in Los Angeles?

A: We can close most deals in 5–10 business days, depending on the complexity.

Q: Do you require a credit check?

A: We focus more on the asset and the deal structure, but a soft credit pull is part of the process.

Q: What’s the minimum loan amount?

A: We typically lend $100,000 and up, depending on property type and location.

Q: Can I get 100% financing?

A: In some cases, yes—if your deal has enough equity or you bring a strong track record and cross-collateral.