# Sacramento Hard Money Lender | DSCR & Fix-Flip Loans | KREC *Hard money loans for Sacramento real estate investors. Fix & flip, DSCR rental, bridge & construction financing with closings in as fast as 7 days. Call 619-369-4444.* ## Sacramento Hard Money Lender Fast, flexible hard money loans for Sacramento real estate investors. Fix & flip, DSCR, bridge, and construction financing across the capital region. 48 States We Lend In 7 Days Fastest Close Time 9.99% Rates Starting At 4.9/5 Client Rating ### Why Sacramento Investors Choose Us Sacramento offers California investors far better entry prices than the coast, with steady demand from Bay Area transplants supporting flips and rentals alike. #### Investor-First Lending We lend on the deal, not your W-2. Asset-based underwriting means Sacramento investors get answers in hours, not weeks. #### Fast Closings Close in as fast as 7 days. Our in-house underwriting means no delays — win deals other buyers can't. #### Personal Service Work with real humans, not algorithms. A dedicated account executive guides every Sacramento deal from term sheet to closing table. ### Hard Money Loans for Sacramento Investors Comprehensive financing solutions for every Sacramento real estate investment strategy. #### Fix & Flip Loans Up to 90% LTC and 100% rehab financing for Sacramento investment properties. Close in as fast as 7 days. #### DSCR Rental Loans No income verification. Qualify based on property cash flow — a great fit for Sacramento's rental market. #### New Construction Ground-up construction financing for single-family and multi-unit projects throughout the Sacramento area. #### Bridge Loans Quick bridge financing to acquire Sacramento properties before your exit strategy is finalized. ### Serving the Entire Sacramento Region From midtown Sacramento to the fast-growing foothill suburbs, we fund investment deals across the capital region. Plus all other Sacramento-area communities. We lend in 48 states from our San Diego headquarters. #### Talk to Our Sacramento Lending Team Lending in Sacramento, CA 100% remote closings — no office visit required. Funded from our San Diego headquarters. Phone Hours Monday - Friday: 8am - 6pm PT Weekends: By Appointment ### Sacramento Hard Money Loan FAQs Common questions from Sacramento real estate investors. #### What areas of Sacramento do you serve? We fund deals throughout the Sacramento area including Elk Grove, Roseville, Folsom, Citrus Heights, Rancho Cordova, Davis, Woodland, West Sacramento, and all surrounding communities in California. #### How fast can you close on a Sacramento property? We can close in as fast as 7 days for straightforward deals. Most Sacramento transactions close within 10-14 days. #### Do you require Sacramento real estate experience? No. We work with first-time investors and experienced flippers alike. Our team can guide you through your first Sacramento investment. #### What are your rates for Sacramento hard money loans? Rates start at 9.99% depending on experience, property type, and loan-to-value. Contact us for a custom quote on your Sacramento project. #### Do you fund DSCR loans in Sacramento? Yes! We qualify based on property cash flow, not personal income — a strong fit for Sacramento rental investors. ### Ready to Fund Your Sacramento Investment? Get a free quote in minutes. Our team is standing by to help with your next Sacramento real estate deal. Flexible, creative lending solutions to help real estate investors scale their portfolios. NMLS ID: #2676974 ##### Quick Links - [Home](https://keyrealestatecapital.com/) - [Loan Products](https://keyrealestatecapital.com/loan-products) - [Real Estate Lending](https://keyrealestatecapital.com/real-estate-lending) - [Answers](https://keyrealestatecapital.com/answers) - [Calculator](https://keyrealestatecapital.com/calculator) - [Recently Funded](https://keyrealestatecapital.com/deals) - [Blog](https://keyrealestatecapital.com/blog) - [About Us](https://keyrealestatecapital.com/about) - [Contact](https://keyrealestatecapital.com/contact) ##### Loan Products - [Fix & Flip](https://keyrealestatecapital.com/loan-products#fix-and-flip) - [Single Rental](https://keyrealestatecapital.com/loan-products#single-rental) - [New Construction](https://keyrealestatecapital.com/loan-products#new-construction) - [Rental Portfolio](https://keyrealestatecapital.com/loan-products#rental-portfolio) - [Bridge Loans](https://keyrealestatecapital.com/loan-products#bridge) - [Transactional Funding](https://keyrealestatecapital.com/loan-products/transactional-funding) ##### Contact Us - Phone [(619) 369-4444](tel:619-369-4444) - Email [lindsay@keyrealestatecapital.com](mailto:lindsay@keyrealestatecapital.com) - Office 401 W A St Ste 200 San Diego, CA 92101 ##### Markets We Serve © 2026 Key Real Estate Capital. All rights reserved. Service Hours: 24/7 | Monday - Sunday ## Business Information - **Name:** Key Real Estate Capital - Sacramento - **Description:** Sacramento hard money lender specializing in fix and flip loans, DSCR rental loans, bridge financing, and construction loans. - **Telephone:** +1-619-369-4444 - **Website:** https://keyrealestatecapital.com/locations/sacramento - **Address:** 401 W A St Ste 200, San Diego, CA, 92101 ## Frequently Asked Questions ### What areas of Sacramento do you serve? We fund deals throughout the Sacramento area including Elk Grove, Roseville, Folsom, Citrus Heights, Rancho Cordova, Davis, Woodland, West Sacramento, and all surrounding communities in California. ### How fast can you close on a Sacramento property? We can close in as fast as 7 days for straightforward deals. Most Sacramento transactions close within 10-14 days. ### Do you require Sacramento real estate experience? No. We work with first-time investors and experienced flippers alike. Our team can guide you through your first Sacramento investment. ### What are your rates for Sacramento hard money loans? Rates start at 9.99% depending on experience, property type, and loan-to-value. Contact us for a custom quote on your Sacramento project. ### Do you fund DSCR loans in Sacramento? Yes! We qualify based on property cash flow, not personal income — a strong fit for Sacramento rental investors. ## Links - [Get a Free Quote](https://keyrealestatecapital.com/contact) - [Learn More](https://keyrealestatecapital.com/loan-products/fix-and-flip) - [Learn More](https://keyrealestatecapital.com/loan-products/single-rental) - [Learn More](https://keyrealestatecapital.com/loan-products/new-construction) - [Learn More](https://keyrealestatecapital.com/loan-products/bridge) - [Get Started Today](https://keyrealestatecapital.com/contact) - [San Diego](https://keyrealestatecapital.com/locations/san-diego) - [Phoenix](https://keyrealestatecapital.com/locations/phoenix) - [Dallas-Fort Worth](https://keyrealestatecapital.com/locations/dallas-fort-worth) - [Houston](https://keyrealestatecapital.com/locations/houston) - [Atlanta](https://keyrealestatecapital.com/locations/atlanta) - [Tampa](https://keyrealestatecapital.com/locations/tampa) - [Orlando](https://keyrealestatecapital.com/locations/orlando) - [Miami](https://keyrealestatecapital.com/locations/miami) - [Las Vegas](https://keyrealestatecapital.com/locations/las-vegas) - [Denver](https://keyrealestatecapital.com/locations/denver) - [Charlotte](https://keyrealestatecapital.com/locations/charlotte) - [Nashville](https://keyrealestatecapital.com/locations/nashville) - [Sacramento](https://keyrealestatecapital.com/locations/sacramento) - [Riverside](https://keyrealestatecapital.com/locations/riverside) - [Jacksonville](https://keyrealestatecapital.com/locations/jacksonville) - [San Antonio](https://keyrealestatecapital.com/locations/san-antonio) - [Columbus](https://keyrealestatecapital.com/locations/columbus) - [Indianapolis](https://keyrealestatecapital.com/locations/indianapolis) - [Kansas City](https://keyrealestatecapital.com/locations/kansas-city) - [Memphis](https://keyrealestatecapital.com/locations/memphis) - [Birmingham](https://keyrealestatecapital.com/locations/birmingham) - [Cleveland](https://keyrealestatecapital.com/locations/cleveland) - [Austin](https://keyrealestatecapital.com/locations/austin) - [Privacy Policy](https://keyrealestatecapital.com/privacy-policy) - [Terms & Conditions](https://keyrealestatecapital.com/terms-of-service) - [Anti-Spam Policy](https://keyrealestatecapital.com/anti-spam-email-policy) --- Canonical URL: https://keyrealestatecapital.com/locations/sacramento Markdown URL: https://keyrealestatecapital.com/locations/sacramento.md Agent overview: https://keyrealestatecapital.com/llms.txt Full reference: https://keyrealestatecapital.com/llms-full.txt Sitemap: https://keyrealestatecapital.com/sitemap.xml Related Key Real Estate Capital resources: - Loan programs: https://keyrealestatecapital.com/loan-products - Questions answered: https://keyrealestatecapital.com/answers - Loan calculator: https://keyrealestatecapital.com/calculator - Contact: https://keyrealestatecapital.com/contact Key Real Estate Capital — nationwide private capital lender. Contact: lindsay@keyrealestatecapital.com | SMS 619-376-1161