San Diego’s Market

San Diego’s real estate market is ripe with opportunity for savvy investors. Whether you’re flipping a beach bungalow in Pacific Beach or updating a Craftsman in North Park, access to the right financing can make or break your deal. That’s where we come in.

At LBC Mortgage, we specialize in fix-and-flip loans tailored for San Diego investors. Our speed, flexibility, and hands-on support help you close quickly, renovate confidently, and move on to your next project with profit in hand.

What Is a Fix-and-Flip Loan?

Fix-and-flip loans are short-term financing solutions designed specifically for real estate investors who purchase distressed properties, renovate them, and sell them for a profit. Unlike traditional mortgages, these loans focus more on the property’s after-repair value (ARV) than your income or credit score.

We understand that investors move fast—and our loan programs are built to match your pace. Whether you’re working with a cosmetic fixer or a full-scale gut rehab, we provide the funds to buy and renovate your property without the delays of conventional lenders.

Why Fix-and-Flip Loans Are Ideal for San Diego Investors

San Diego’s diverse neighborhoods present excellent flipping opportunities—from urban infill lots to suburban homes with outdated finishes. But competition is stiff. To succeed, you need a financing partner who can help you move quickly and strategically.

Fast Closings Matter in a Hot Market

In a fast-moving market like San Diego, traditional bank loans often move too slowly. With LBC Mortgage, most fix-and-flip loans close in 5–10 days. That means you can outbid competitors with cash-like offers—and get to work faster.

Local Knowledge Gives You an Edge

We know San Diego’s neighborhoods. From Point Loma to El Cajon, we’ve helped investors fund projects all over the county. Our deep understanding of local property values, renovation costs, and resale potential helps us structure smarter loans that support your investment goals.

Fix-and-Flip Loan Terms Designed for Investors

At LBC Mortgage, we offer flexible terms that work for both new and experienced flippers. Loan amounts, down payments, and interest rates are customized to each deal—but our process always puts your needs first.

Typical Loan Features

We also provide clear guidance during underwriting and keep communication open throughout the process. You’ll always know where your deal stands—and what’s needed to move it forward.

Why LBC Mortgage Is the Best Broker for Fix-and-Flip Loans in San Diego

You have choices when it comes to hard money and private lending. But LBC Mortgage stands apart. We’re not just brokers—we’re experienced mortgage professionals who understand real estate investing inside and out.

Speed Without Sacrificing Support

Our fix-and-flip clients get fast answers and even faster funding. But we never sacrifice personal service. From pre-approval to draw disbursements, our team is here to guide you every step of the way.

We work with a trusted network of private lenders who know the San Diego market and are eager to fund your next deal. That means we can often say yes when banks say no—and we don’t waste your time with unnecessary red tape.

Tailored Loan Structures

Every deal is different. We take the time to understand your investment strategy, project scope, and resale timeline. Then we build a financing plan around your goals. Whether you’re planning a quick cosmetic flip or a major renovation, we’ll make sure your loan works for you—not the other way around.

Experience That Drives Results

With over 15 years in the mortgage industry, we’ve seen it all—and we’ve funded it all. From single-family homes to multi-unit properties, our fix-and-flip loans have helped San Diego investors grow their portfolios, increase profits, and scale their business.

How to Get a Fix-and-Flip Loan in San Diego with LBC Mortgage

We make it easy to get started. Our process is fast, efficient, and investor-friendly.

Step 1: Apply Online or Call Us

Tell us about your deal—property type, purchase price, estimated renovation budget, and resale expectations. We’ll provide initial feedback within 24 hours.

Step 2: Get Pre-Approved

Once we review your deal, we’ll issue a pre-approval that includes estimated terms, rates, and closing timeline. This gives you leverage in negotiations and helps you move forward with confidence.

Step 3: Close Quickly and Start Renovating

After submitting required documents and finalizing the loan, we can close in as little as 5–10 business days. Funds are wired directly, and you can begin your renovation right away.

Step 4: Sell and Reap the Profit

Once your rehab is complete, sell the property and pay off the loan. Any profit is yours to keep—and if you’re ready for your next flip, we’ll be ready too.

LBC Mortgage: Your Long-Term Fix-and-Flip Partner

We don’t just close deals. We build relationships. Our fix-and-flip clients come back again and again because we help them grow their businesses—not just finance their projects. We’re in your corner, from your first flip to your tenth.

Whether you’re a seasoned investor or trying your hand at flipping for the first time, LBC Mortgage provides the expertise, resources, and support you need to succeed in San Diego’s competitive market.

Ready to Fund Your Next Flip?

If you’re looking for the best fix-and-flip loans in San Diego, LBC Mortgage is your trusted partner. We’ll help you act fast, fund smart, and flip with confidence. Contact us today to get started.