Fast, asset-based bridge and fix-and-flip financing
Private money and bridge financing in California, Texas, Georgia, Tennessee, Oklahoma, and Idaho for investors who need speed — fix-and-flip, bridge, and asset-based loans that can close in days, not weeks. CDL Mortgage connects you with reliable private capital.
Why CDL
CDL Mortgage Services Inc. is a full-service mortgage company focused on securing the best loans at the best rates. As an independent broker, we aren’t tied to one bank’s products — we shop multiple wholesale lenders for every private money loan to find the strongest pricing for your scenario.
Every file is handled start-to-finish by a licensed loan officer, not a call center. From fast pre-approval through underwriting and closing, you’ll always know exactly where your loan stands.
Requirements
General guidelines — final qualification depends on the lender, property, and your full financial profile.
Calculator
Estimates only. Mortgage insurance and HOA dues are not included. Your actual payment depends on your final rate, program, taxes, and insurance premiums.
How It Works
Private money is asset-based, short-term financing funded by private capital rather than a bank. The property secures the loan and speed is the product you are buying.
Value, condition and exit potential drive the decision far more than your tax returns.
Typically 65–75% of value, and on rehab deals a percentage of purchase plus a rehab holdback.
Identity, title, insurance, a clear exit plan and proof of funds to close. No lengthy income packages.
Many deals fund in one to three weeks — the reason investors use private money at all.
Interest-only payments for 6 to 24 months, sometimes with interest reserves built into the loan.
Sell, refinance into a DSCR or conventional loan, or complete the project. The exit is underwritten on day one.
Your Options
These are the situations where private capital consistently earns its higher cost.
Honest Advice
Private money is a scalpel. Used correctly it is enormously profitable, and used carelessly it is expensive.
You know exactly how the loan gets repaid and when. That is the entire test.
When closing in ten days wins the deal, the rate difference is trivial against the spread.
Meaningful skin in the game gets better terms and protects you if the market shifts.
Never hold private money as permanent financing. Refinance into DSCR or conventional.
Underestimating the rehab is the most common way these deals go wrong. Build in contingency.
Consumer-purpose loans on your home are rarely appropriate here. Use a conventional or non-QM program.
Questions
A short-term, asset-based loan funded by private capital rather than banks. Approval is driven by the property’s value and your exit strategy, letting deals close in as little as 5-10 days.
Fix-and-flip projects, auction purchases, bridge situations between buying and selling, properties that won’t pass conventional appraisal condition standards, or any deal where speed wins the contract.
Terms usually run 6-24 months, interest-only, at 65-75% of value with rates higher than conventional financing — the tradeoff for speed and flexibility. We’ll map your exit into a refinance or sale.
Yes — many fix-and-flip programs fund a percentage of purchase plus 100% of the rehab budget, released in draws as work completes.
About Us
CDL Mortgage Services Inc. is an independent, full-service mortgage company. Instead of pushing one bank’s products, we shop multiple wholesale lenders to secure the best loan at the best rate for every borrower.
Purchase, refinance, and home equity — all under one roof, focused on the best loans at the best rates.
Based at 6524 Lonetree Blvd, Rocklin, CA 95765 and licensed in California, Texas, Georgia, Tennessee, Oklahoma & Idaho.
Every file is handled start-to-finish by a licensed loan officer who knows your name and your goals.
Fully licensed and regulated, with award-winning lender partnerships and 35+ years serving borrowers.
Find private money loans details for your city or county below.
Ready when you are
Same-day pre-approvals, dozens of wholesale lenders shopped for you, and one licensed loan officer from application to keys in hand.