Costa Mesa, CA · Fix & Flip Loans
Fix & Flip Loans in Costa Mesa
Fund the purchase and rehab in one loan. 90% LTC, 75% ARV, close in 10–21 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.
Fix & Flip Loans: Costa Mesa terms
Term
6–18 month terms, interest-only
Leverage
Up to 90% LTC, 75% ARV
Credit minimum
660
Close time
10–21 days
Qualification
ARV and scope-of-work; liquidity ≥ 10% of loan
Ideal for
Active flippers running 1–10 projects a year, new flippers with one successful deal under their belt, investors rehabbing to refi into a DSCR (we pre-approve the exit), and BRRRR investors stacking flips into rentals.
Common questions — Costa Mesa fix & flip loans
Does 818 Capital offer fix & flip loans in Costa Mesa?
Yes. 818 Capital Partners is a direct private lender originating Fix & Flip Loans for investor properties throughout Costa Mesa and the greater Orange County market. Fund the purchase and rehab in one loan. 90% LTC, 75% ARV, close in 10–21 days.
What are typical fix & flip loan terms in Costa Mesa?
6–18 month terms, interest-only. Up to 90% LTC, 75% ARV. Minimum credit score 660. Typical close time: 10–21 days. Qualification: ARV and scope-of-work; liquidity ≥ 10% of loan.
What Costa Mesa neighborhoods do you lend in?
We actively finance fix & flip loans across Eastside Costa Mesa, Westside, Mesa Verde, South Coast Metro, and other submarkets of Orange County.
How fast can 818 Capital close a fix & flip loan in Costa Mesa?
Our typical close time for a Fix & Flip 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.
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.
Bridge Loans
Fast, flexible capital for time-sensitive acquisitions.
Ground-Up Construction Loans
Fund the build. Refinance into a DSCR on stabilization.
Fix & Flip 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.