Torrance, CA · Fix & Flip Loans
Fix & Flip Loans in Torrance
Fund the purchase and rehab in one loan. 90% LTC, 75% ARV, close in 10–21 days.
Why Torrance investors choose 818
Torrance is the South Bay's workhorse rental market — top-rated schools and aerospace/healthcare employment keep SFR and small-multifamily vacancy minimal, while entry prices stay below the beach cities next door. Investors here are buying durable tenancy and appreciation; the DSCR is tight on day one and improves with every renewal cycle.
Our edge here: Tight-DSCR, strong-collateral profiles are exactly what our reserve-backed structures are built for — we don't auto-decline a 1.0x in a submarket with Torrance's rent depth.
Fix & Flip Loans: Torrance 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 — Torrance fix & flip loans
Does 818 Capital offer fix & flip loans in Torrance?
Yes. 818 Capital Partners is a direct private lender originating Fix & Flip Loans for investor properties throughout Torrance and the greater South Bay, Los Angeles 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 Torrance?
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 Torrance neighborhoods do you lend in?
We actively finance fix & flip loans across Old Torrance, West Torrance, North Torrance, Southwood, Harbor Gateway edge, and other submarkets of South Bay, Los Angeles County.
How fast can 818 Capital close a fix & flip loan in Torrance?
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 Torrance
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 Torrance deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.