Renovation Loan in Irvine, CA

Renovation loans from Hard Money Lenders of Irvine fund property improvements and value-add projects across Orange County. Whether you're upgrading a rental in Costa Mesa, modernizing a commercial space in Irvine, or executing a value-add play on a multifamily in Santa Ana, our renovation loans provide the capital to complete the work. We fund based on as-completed value, with draws released as renovations progress. Scope of work and contractor bids drive the loan amount, not just current value. Interest-only payments during the renovation period preserve cash flow for construction costs.

Key Benefits of Renovation Loan

• Fund based on completed value

• Draw-based, pay as you build

• Interest-only during renovation

• Value-add and light rehab both qualify

• Fast approval and funding

Hard Money Lenders of Irvine serves real estate investors throughout Irvine, Newport Beach, Costa Mesa, Santa Ana, Huntington Beach, and all of Orange County. Our local team understands the market dynamics, permit processes, and investment opportunities that drive successful deals in the region.

Typical Requirements

• Property in California

• Detailed scope of work

• Contractor bids or experience

• Clear exit strategy

Who We Lend To

We work with experienced real estate investors, contractors, developers, fix-and-flip specialists, and property owners throughout Orange County. Whether you're acquiring your first investment property or scaling your portfolio, our asset-based approach focuses on the property and the deal—not your W-2 or tax returns.