San Francisco Hard Money
At Action Funding, Inc., we provide fast, reliable hard money loans for real estate investors throughout San Francisco and the greater Bay Area. Whether you're flipping a Victorian in the Mission District, building new construction in Oakland, or refinancing a triplex in Daly City, our private lending programs help you move fast in one of the most competitive and lucrative markets in the country.
We offer flexible, asset-based financing solutions—including fix and flip loans, new construction loans, DSCR loans, and multifamily funding—designed for both new and experienced investors. With approvals based on the **value of the property—not your tax returns or credit score—**you can focus on seizing opportunities, not clearing bank bureaucracy.
Your Trusted Hard Money Lender in San Francisco
Fix and Flip Loans San Francisco
Short-term loans for acquiring, renovating, and reselling residential properties. Great for fast-moving deals in Bernal Heights, the Mission, and West Oakland.
Fast capital for transitional projects or time-sensitive acquisitions. Ideal for off-market deals in SoMa, Glen Park, and Emeryville.
New Construction Loans San Francisco
Financing for ground-up builds in infill lots or suburban growth zones like Otay Ranch, Vista, and La Mesa.
Residential Loans San Francisco
Flexible, asset-based loans for non-owner-occupied homes, condos, and townhomes in markets like Richmond District, Alameda, and South SF.
Long-term rental property financing based on cash flow—not personal income. Perfect for buy-and-hold investors in Vallejo, Hayward, and San Jose.
Multifamily Loans San Francisco
Private financing for duplexes, triplexes, and small apartments across Outer Sunset, Excelsior, Oakland, and Berkeley.
Why Invest in San Francisco
Despite high entry costs, San Francisco remains one of the most resilient and sought-after real estate markets in the U.S. Fueled by tech, finance, and healthcare sectors, and a permanent shortage of buildable land, the Bay Area continues to deliver long-term appreciation and rental stability.
With increasing flexibility around ADUs and local demand for dense housing options, investors are capitalizing on fix-and-flip projects, small multifamily rehabs, and rental properties with strong cash flow. Hard money loans give you the edge to move quickly in a highly competitive, regulation-heavy environment where traditional lenders often fall short.
Key Investment Areas
West Oakland & East Oakland – Rapid appreciation potential with value-add inventory.
Richmond & Sunset Districts – Solid rental zones with long-term hold appeal.
Daly City & South SF – Entry-level markets with strong rental demand.
Berkeley & El Cerrito – Popular among student and professional renters.
San Leandro & Hayward – Affordable alternatives with strong upside potential.
San Francisco Real Estate Trends
The Bay Area continues to adapt to post-pandemic shifts. While office occupancy has changed, demand for housing remains strong, especially in transit-accessible, high-density neighborhoods. Investors are exploring ADUs, SB9 lot splits, and multifamily conversions to add value. Flipping remains strong in neighborhoods undergoing demographic shifts, and rental demand is rebounding quickly in key urban cores.
Short-term rentals remain viable in tourist-friendly areas like North Beach and Nob Hill, while long-term buy-and-hold strategies continue to thrive in Oakland, Daly City, and the Peninsula.
Let’s Fund Your Next San Francisco Project
At Action Funding, Inc., we help Bay Area real estate investors move fast, act confidently, and unlock the full potential of their projects. Whether you're flipping row homes in SF, building new units in Oakland, or scaling a rental portfolio in the East Bay, our hard money loans give you the flexibility and speed to compete in one of the most complex real estate environments in the U.S.
Contact us today to get pre-approved and take the next step in your San Francisco investment journey.