Costa Mesa, CA · Bridge Loans
Bridge Loans in Costa Mesa
Move fast when the deal demands it. Bridge in 10 days.
Why Costa Mesa investors choose 818
Costa Mesa sits one zip code inland from Newport at a meaningful discount, with rental demand fed by the OC job core and a steady renter base that can't buy in. Eastside cottages, 2–4 unit stock near 17th Street, and small multifamily off Harbor all trade actively — and ADU additions are rewriting the unit math on ordinary SFR lots.
Our edge here: We underwrite ADU income on Costa Mesa properties when the unit is permitted — that swing often takes a deal from declined to funded.
Bridge Loans: Costa Mesa terms
Term
6–24 month terms, interest-only
Leverage
Up to 75% LTV, 80% LTC on value-add
Credit minimum
660
Close time
10–21 days
Qualification
Asset-based underwriting + exit strategy
Ideal for
Auction buyers, 1031 investors on a clock, value-add sponsors needing to close before starting the business plan, and investors whose equity is tied up in a pending sale.
Common questions — Costa Mesa bridge loans
Does 818 Capital offer bridge loans in Costa Mesa?
Yes. 818 Capital Partners is a direct private lender originating Bridge Loans for investor properties throughout Costa Mesa and the greater Orange County market. Move fast when the deal demands it. Bridge in 10 days.
What are typical bridge loan terms in Costa Mesa?
6–24 month terms, interest-only. Up to 75% LTV, 80% LTC on value-add. Minimum credit score 660. Typical close time: 10–21 days. Qualification: Asset-based underwriting + exit strategy.
What Costa Mesa neighborhoods do you lend in?
We actively finance bridge loans across Eastside Costa Mesa, Westside, Mesa Verde, South Coast Metro, and other submarkets of Orange County.
How fast can 818 Capital close a bridge loan in Costa Mesa?
Our typical close time for a Bridge Loans is 10–21 days. On urgent deals we've closed faster — ask for a same-day term sheet.
Other loan programs in Costa Mesa
DSCR Rental Loans
30-year fixed. No personal DTI. Closes on property cash flow.
Fix & Flip Loans
Up to 90% LTC. 75% ARV. 12-month terms.
Short-Term Rental (STR) Loans
Underwritten on AirDNA revenue, not LTR shadow rents.
Apartment & Multifamily Loans
5+ unit apartment buildings. Bridge, value-add, and long-term.
Ground-Up Construction Loans
Fund the build. Refinance into a DSCR on stabilization.
Bridge Loans in other markets
Ready to close your Costa Mesa deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.