Costa Mesa, CA · Apartment & Multifamily Loans
Apartment & Multifamily Loans in Costa Mesa
5+ unit deals need a lender who's closed them. We have.
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.
Apartment & Multifamily Loans: Costa Mesa terms
Term
2-year bridge through 30-year permanent
Leverage
Up to 80% LTV (agency), 75% LTC (bridge)
Credit minimum
Sponsor experience-driven, 680+ typical
Close time
45–75 days
Qualification
Property NOI + sponsor track record
Ideal for
Small multifamily investors stepping up from 2–4 unit, syndicators raising capital who need a reliable debt quote, 1031 exchange buyers targeting multifamily, and bridge-to-perm rehab plays.
Common questions — Costa Mesa apartment loans
Does 818 Capital offer apartment loans in Costa Mesa?
Yes. 818 Capital Partners is a direct private lender originating Apartment & Multifamily Loans for investor properties throughout Costa Mesa and the greater Orange County market. 5+ unit deals need a lender who's closed them. We have.
What are typical apartment loan terms in Costa Mesa?
2-year bridge through 30-year permanent. Up to 80% LTV (agency), 75% LTC (bridge). Minimum credit score Sponsor experience-driven, 680+ typical. Typical close time: 45–75 days. Qualification: Property NOI + sponsor track record.
What Costa Mesa neighborhoods do you lend in?
We actively finance apartment loans across Eastside Costa Mesa, Westside, Mesa Verde, South Coast Metro, and other submarkets of Orange County.
How fast can 818 Capital close a apartment loan in Costa Mesa?
Our typical close time for a Apartment & Multifamily Loans is 45–75 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.
Bridge Loans
Fast, flexible capital for time-sensitive acquisitions.
Ground-Up Construction Loans
Fund the build. Refinance into a DSCR on stabilization.
Apartment & Multifamily 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.