Orange County Hard Money
At Action Funding, Inc., we provide fast and flexible private lending solutions for real estate investors across Orange County, CA. Whether you're flipping a bungalow in Santa Ana, building new construction in Anaheim Hills, or refinancing a rental in Costa Mesa, our hard money loans are designed to help you act fast and close with confidence.
We specialize in fix and flip loans, bridge financing, new construction funding, and DSCR loans—all tailored to Orange County’s dynamic and competitive real estate market. Our approvals are based on the property, not your tax returns or W-2s, so you can focus on the deal—not the paperwork.
Your Trusted Orange County Private Money Lender
We’re a California-based direct lender with deep knowledge of the Orange County market, serving investors throughout Irvine, Anaheim, Santa Ana, Costa Mesa, Fullerton, and Huntington Beach. With local expertise, in-house decision-making, and no red tape, we help real estate investors close fast and scale in one of Southern California’s most sought-after markets.
Loan Programs We offer in Orange County
Bridge Loans Orange County
Quick, flexible capital to help you close on urgent deals or cover short-term financing gaps. Ideal for auction buys and transitional properties in Garden Grove, Westminster, and Buena Park.
Fix and Flip Loans Orange County
Short-term financing to acquire, renovate, and resell properties. Perfect for flips in Santa Ana, Orange, and Fullerton, where demand for updated housing is strong.
New Construction Loans Orange County
Ground-up construction financing for single-family homes, townhomes, and small multifamily projects in Irvine, Anaheim Hills, and Mission Viejo.
Cash-Out Refinance Orange County
Leverage existing equity in your Orange County properties to fund new deals, finish rehabs, or grow your rental portfolio. Commonly used in Huntington Beach, Costa Mesa, and Tustin.
DSCR Loans Orange County
Long-term loans based on a property’s rental income, not your personal income. Ideal for buy-and-hold investors in Lake Forest, Laguna Niguel, and Fountain Valley.
Multifamily Loans Orange County
Private capital for duplexes, triplexes, quads, and small apartment buildings. Close fast and expand your portfolio across high-demand rental markets in Santa Ana, Orange, and Irvine.
Why Invest in Orange County CA?
Orange County remains one of California’s most attractive markets for real estate investors. With a diverse economy, high quality of life, and close proximity to Los Angeles, the area boasts strong demand from both renters and buyers. Limited inventory, rising property values, and an ever-growing population create consistent deal flow and long-term growth potential.
In a market this competitive, hard money lending gives you a critical edge—allowing you to act quickly, compete with cash buyers, and fund deals that banks often won’t. Whether you’re flipping homes, building new, or refinancing for scale, private capital offers the speed and flexibility you need to succeed.
Key Investment Neighborhoods in Orange County
Santa Ana
A high-demand area with historic charm and strong rental yields—ideal for flips and value-add multifamily.
Irvine
A master-planned community with top schools and stable appreciation—perfect for buy-and-hold investors.
Costa Mesa
Trendy and fast-growing, with great opportunities for rehabs and short-term rentals.
Anaheim & Anaheim Hills
Diverse housing stock and consistent buyer activity make this area ideal for flips and new construction.
Fullerton & Orange
College towns with high rental demand and great opportunities for multifamily investment.
Huntington Beach & Newport Beach
Coastal luxury markets ideal for high-end flips and redevelopment projects.
Orange County Real Estate Trends
The Orange County market continues to see strong investor demand fueled by limited inventory, high rental rates, and out-of-area migration. Submarkets like Santa Ana and Costa Mesa are popular for fix-and-flip and Airbnb investments, while Irvine and Tustin are known for stable long-term rentals. Investors are increasingly targeting multifamily properties and ground-up developments as demand for housing continues to outpace supply. In this competitive environment, hard money financing allows investors to close quickly, seize opportunities, and stay ahead of the market.
Let's Fund Your Next Deal in Orange County
At Action Funding, Inc., we’re committed to helping you close faster and invest smarter in Orange County. Whether you're flipping, building, or growing your rental portfolio, our hard money loans provide the speed, flexibility, and local knowledge you need to succeed.
Contact us today to get pre-approved and secure fast funding for your next Orange County real estate project.