Private Money Lending on California Residential and Commercial Properties

Customized Loans to Fit Borrowers Needs with Fast Loan Closing

Residential Loans

Commercial Loans

We are a direct private money lender, making loans secured by California real estate. Private money lending is an excellent way to get the funding you need when the loan package falls outside of the underwriting guidelines of conventional lenders such as banks, savings and loans, or other lending institutions.

We make loans on a wide variety of properties including single family, multifamily, commercial, mixed use and others. We also provide construction financing.

Roza Real Estate Loans, Inc. offers:

• Loans $200,000 to $1,500,000 plus with one to four year paybacks
• Fast processing and loan close
• Knowledgeable and helpful staff
• Experienced one-level decision making for funding
• Extensive expertise in commercial loan transactions
• A commitment to customer service excellence

We tailor our loans to your needs including these loan options:

• First mortgages
• Second mortgages
• Fixed interest rates
• No pre-payment penalty
• Amortized loans
• Interest only loans
• No monthly payment with an interest reserve

Our loans also cover a multitude of purposes including:

• Purchase or refinance
• Investment opportunities
• New construction
• Remodel/renovation
• Tenant improvements
• Institutional loan turndowns
• Debt consolidation
• Financial recovery
• Cash for personal needs
• 1031 exchanges
• Business capital

So, if you are in need of a loan you’ve come to the right place. Roza Real Estate Loans will customize a loan to fit your needs. We will treat your loan with urgency and importance, fast track the paperwork, give you a loan commitment within days, not weeks, and follow through with all necessary documentation and processing for the life of the loan.

top of page

Residential Loans

Single family non-owner and owner occupied
(Owner occupied limited to specific circumstances)
Apartments and condominiums
LTV 60% to 65%

Loan Package Includes:

• Appraisal
• Loan application/financial statements
• Credit reports
• Preliminary title report
• Copy of leases and rent roll (if applicable)
• Last two years income documentation
• Profit and loss statements
• Statement regarding loan purpose and any significant negative credit items
• Copy of proposed purchase contract (if applicable)
• Organizational documents for business entity borrowers
• For second mortgages: a copy of the deed of trust, promissory note and first mortgage

top of page

Commercial Loans

LTV 60% to 65%
Owner and tenant occupied

Property Types:

Commercial Properties Apartment Buildings Office Retail Industrial Mixed-Use

Land loans Non-profits Churches Hotels Non-conforming property

Loan Package Includes:

• Appraisal
• Loan application/financial statements
• Credit reports
• Preliminary title report
• Copy of leases and rent roll (if applicable)
• Last two years income documentation
• Profit and loss statements
• Statement regarding loan purpose and any negative credit items
• Copy of purchase contract (if applicable)
• Organizational documents for business entity borrower
• Phase 1 and other environmental reports

top of page