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Trusted Fix and Flip Loans in Long Beach, CA

Long Beach Fix and Flip Loans

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Fix and Flip Loans in Long Beach, CA

For real estate investors in Long Beach, finding the right financing can make all the difference when it comes to securing, renovating, and reselling properties quickly and profitably. RTI Bridge Loans specializes in fix and flip loans designed to meet the fast-paced needs of investors like you. This page provides an overview of what fix and flip loans can offer to investors in Long Beach, CA, and explores how these loans can benefit those investing in this dynamic market.

Bridge Loan Program

Commercial Lending Specifications

PRODUCT DESCRIPTION
Loan Term 1-2 Years
Loan Amount $250,000 to 20,0000,000
Lending Area California | Nevada | Colorado
Trust Deeds 1st & 2nd TD's
Loan-to-Value Up to 75%
Interest Rate Starting at 8.75%
Origination Fee 1 to 3 Points
Prepayment Penalty Not Required
Closing Time 7 to 15 Days
Interest Reserve No Payments for 6 Months
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LENDING SCENARIOS Time Sensitive Transactions
  • 1031 Exchanges
  • Expiring Purchase Contracts
  • Balloon Payments
  • Partnership Buyouts
Distressed Scenarios
  • Bankruptcy Restructurings
  • Foreclosure Loans
  • Discounted Payoff
  • Agreements
Value Add
  • Renovation Loans
  • Tenant Improvements
Cash Out
  • All Cash Dispersed at Closing
  • No Fund Control
COLLATERAL
  • Multifamily | Office | Retail
  • Mixed Use | Luxury Residential

Advantages of Fix and Flip Loans in Long Beach

Fix and flip loans offer several advantages for people who want to maximize profits and stay competitive in Long Beach’s market:

  • Fast Funding: Quick access to funds is essential when competing for properties in high-demand neighborhoods. Fix-and-flip loans are structured to provide funds rapidly so you can close deals without delays.
  • Flexible Terms: These loans typically offer terms that align with the short-term needs of fix and flip projects, allowing for flexible repayment options.
  • No Long-Term Commitment: Unlike traditional mortgage financing, fix and flip loans are designed for short-term use, helping you keep costs down while focusing on turning properties quickly.


With these advantages, fix-and-flip loans can make your investment journey smoother. They enable you to act fast, focus on adding value, and reap returns in shorter time frames.

Key Benefits of Fix and Flip Loans vs. Traditional Loans

Fix and flip loans offer several distinct advantages over traditional mortgages, especially when it comes to time and flexibility. Here’s why investors in Long Beach prefer this financing option:

  • Faster Funding – Traditional loans can take weeks or even months to process. With RTI Bridge Loans, funds are typically available in days, letting you act fast on great deals.
  • Short-Term Commitment – Since fix and flip loans are designed for quick-turnaround projects, you’re not locked into long-term repayment plans.
  • Project-Specific Terms – Our loan terms are structured around your project timeline and budget, so you only borrow what you need and for as long as you need it.


These benefits make fix and flip loans a better choice for investors aiming for flexibility and speed in a competitive real estate market.

What Types of Properties Are Eligible for Fix and Flip Loans?

Fix and flip loans in Long Beach can cover a range of property types, so whether you’re looking to transform a single-family home, a duplex, or even a multi-family property, there are options available. Eligible properties generally include:

  • Single-Family Homes: Often the most popular choice for fix and flip projects due to widespread buyer interest.
  • Multi-Family Properties: While multi-family properties may require more extensive renovations, they can also offer higher profit potential due to rental income options.
  • Condos and Townhomes: These properties can be ideal for investors aiming for more affordable projects in competitive areas.


Each property type comes with unique market dynamics, and understanding eligibility and demand is essential for successful investments in Long Beach’s market.

Qualifying for a Fix and Flip Loan in Long Beach, CA

Qualifying for a fix and flip loan is typically more straightforward than a traditional mortgage. Here are a few essential criteria we look at:

  • Creditworthiness – While credit is a factor, we consider the overall project potential and your investment experience.
  • Property Details – The property’s condition, location, and your renovation plans play a significant role in the approval process.
  • Exit Strategy – Having a clear plan for selling or renting the property can also strengthen your application.

These criteria ensure we’re supporting viable, profitable projects, helping investors focus on properties with solid return potential.

Long Beach Fix and Flip Real Estate Market

The Long Beach real estate market is a mix of opportunity and competition. Home values in Long Beach continue to rise, often indicating a seller’s market. This can mean more substantial profit margins for fix and flip investors, provided the property’s purchase price, renovation costs, and carrying costs leave room for a profitable sale. Here are a few key factors to consider:
  • Median Listing Prices: Monitoring median listing prices gives investors an idea of current market conditions. In a market with high listing prices, profitable sales can be more achievable, particularly if you’re able to add substantial value to the property through strategic renovations.
  • Seller’s Market vs. Buyer’s Market: In Long Beach, rising prices typically signal a seller’s market, where demand is high, and buyers may compete for properties. On the flip side, a decrease in property prices could suggest a buyer’s market, where properties may take longer to sell but might also be purchased at a discount.
  • Calculating Profit Margins: For every fix and flip, it’s essential to calculate total project costs, including purchase price, renovation expenses, and holding costs, to ensure there’s enough margin for profit. Analyzing comparable property sales in Long Beach neighborhoods is a smart strategy to gauge potential returns.

Recently Funded Hard Money Loans

$5,400,000 | 1st TD & 2nd TD Loan | Long Beach, CA
1st-td-and-2nd-td-bridge-loan-closed-in-long-beach

JUST CLOSED in Long Beach! This was a multiple collateral 1st and 2nd TD loan at $5,400,000 needed for a

View Deal

$3,200,000 | 2nd TD Loan | Santa Clarita, CA
2nd-td-bridge-loan-closed-in-santa-clarita-ca

A developer was just completing and leasing up a large mixed use project in Santa Clarita. His construction loan had

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$412,500 | 1st TD Bridge Loan | Valley Center, CA
rti-bridge-loans-for-property

$412,500 1st TD Bridge Loan Closed in Valley Center CA! Borrower needed fast capital to close on a below market

View Deal

Common Challenges with Fix and Flip Projects in Long Beach and How Financing Can Help

Long Beach’s market can be competitive, and fix and flip projects often come with unique challenges. Here’s where financing can make a difference:

  • High Renovation Costs – Older properties in need of substantial work can be expensive to renovate. Fix and flip loans let you finance these costs upfront, so you’re not using your own cash reserves.
  • Timing the Market – In a fast-paced market, timing is everything. Our loans allow you to act quickly, secure properties, and begin renovations without delays
  • Unforeseen Expenses – Renovations sometimes come with surprises. Having reliable funding helps you cover unexpected costs, ensuring your project stays on track.


By addressing these challenges, RTI Bridge Loans aims to simplify the fix and flip process, letting you focus on profitable investments.

Steps to Get Approved for a Fix and Flip Loan with RTI Bridge Loans

Here’s a quick look at how you can get approved and start your next project:

  • Initial Consultation – First, we will have a thorough discussion on your project and loan needs.
  • Submit an Application – Provide basic details about your project and property.
  • Quick Review – We review your application promptly, usually providing approval within a few business days.
  • Receive Funding – Once approved, you’ll receive funds quickly, allowing you to close on the property and begin renovations.
Our goal is to make the approval process as smooth as possible so you can focus on the investment, not the paperwork.

Why Choose RTI Bridge Loans for Your Fix and Flip in Long Beach?

RTI Bridge Loans provides straightforward financing solutions for investors focused on fixing and flipping properties in Long Beach. With experience in California’s unique market, RTI Bridge Loans can help guide you through loan options tailored for fast-paced real estate transactions. Here’s what makes us a preferred choice:

  • Local Market Insight: With in-depth knowledge of Long Beach and surrounding areas, RTI Bridge Loans understands the market dynamics that can affect your investment.
  • Speedy Approvals: Our team prioritizes fast processing to help investors stay competitive, allowing you to take advantage of great opportunities as soon as they arise.

Fix and flip investments in Long Beach offer promising opportunities, and with the right financing, you can capitalize on this vibrant market. Whether you’re a seasoned investor or new to the field, RTI Bridge Loans is here to support your next project with solutions tailored to your goals.

How to Get Started with
RTI Bridge Loans

Ready to take on your next fix and flip project in Long Beach? RTI Bridge Loans is here to make the financing process simple and efficient. To learn more or start your application, call us today at (562) 857-2285. We’re here to answer your questions and support your goals in the Long Beach real estate market.

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RTI Bridge Loans Hard Money Loans
RTI Bridge Loans

RTI Bridge Loans, Inc. is primarily a Direct Portfolio Lender in Los Angeles County. We have 40 years of experience investing in all aspects of real estate: From residential development, private money lending, hard money and fix and flip loans.

DRE # 01125534 / 00793526

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