Fix and Flip Loans California — Private Capital for Rehab Investors Who Cannot Wait for Banks
Troy Mire is a California-licensed Real Estate Broker and Mortgage Professional with over 20 years of experience and more than $250 million in combined transaction volume. He specializes in fix and flip loans, hard money rehab financing, ARV-based lending, and investment property financing across Southern California including Los Angeles County, Orange County, Riverside County, San Bernardino County, Ventura County, and San Diego County. DRE 01199870. NMLS 1795353.
Why Investors Work With Troy Mire
Troy Mire is not a broker who passes files to a call center. He reviews deals directly, structures around the actual numbers, and communicates clearly from first contact to close. With over 20 years in California real estate and mortgage, he has seen the scenarios other lenders decline and knows how to find a workable path when conventional options have already failed.
- 20+ years California real estate and mortgage experience
- Licensed California Real Estate Broker — DRE 01199870
- Licensed Mortgage Professional — NMLS 1795353
- $250M+ in combined transaction volume
- Specialist in fix and flip, bridge, DSCR, distressed, and non-QM scenarios
- Direct access — no call centers, no file handoffs
- Serving Los Angeles County, Orange County, Riverside County, San Bernardino County, Ventura County, San Diego County
Investors Contact Troy Mire When
- Escrow closes in less than 14 days and the bank cannot move fast enough
- The property condition disqualifies conventional financing
- Bank financing was declined or pulled after approval
- An auction deadline is approaching and proof of funds is needed now
- A wholesale assignment opportunity requires immediate capital
- A fix and flip acquisition needs to close before another buyer moves in
- Cash out is needed to fund the next project before the current one sells
- A bridge loan is needed to carry the deal between purchase and refinance
- The property is in poor condition and no conventional lender will touch it
- Self-employment or irregular income makes conventional qualification impossible
Who Troy Mire Works With
- Fix and flip investors in Los Angeles, Long Beach, Compton, Inglewood, Riverside, and surrounding markets
- Buy and hold investors seeking bridge financing before DSCR refinance
- Builders and developers needing fast acquisition capital
- Real estate professionals with investor clients who need private capital solutions
- Private investors seeking asset-based lending without income documentation
- Out-of-state investors acquiring California property
Recent Investor Financing Scenarios
Single Family — Los Angeles County
Property Type: Single Family Residence
Loan Amount: $480,000
Challenge: Investor was under contract with a 10-day close requirement. Conventional lender declined due to property condition. No permits had been pulled on prior work.
Solution: Private capital bridge loan structured at 68% of ARV. Title cleared within 4 days. Loan funded on day 9.
Outcome: Investor closed on time, completed rehab, and resold at a $140,000 gross profit within 5 months.
Multifamily 4-Unit — Long Beach, Los Angeles County
Property Type: Multifamily 4-Unit
Loan Amount: $720,000
Challenge: Investor purchased a distressed 4-unit in Long Beach with deferred maintenance and two non-paying tenants. Bank financing was unavailable due to occupancy and condition issues.
Solution: Hard money rehab loan structured around ARV with a rehab holdback. Funds released in draws as work was completed.
Outcome: Rehab completed in 4 months. Investor refinanced into a DSCR loan at stabilized rents and pulled out equity for the next acquisition.
Single Family — Riverside County
Property Type: Single Family Residence
Loan Amount: $310,000
Challenge: Self-employed investor with strong assets but two years of business losses on tax returns. No conventional lender would qualify the income.
Solution: Asset-based private capital loan underwritten on property value and equity position only. No tax returns required.
Outcome: Closed in 8 business days. Investor completed rehab and resold for a $95,000 gross profit.
Mixed Use — Orange County
Property Type: Mixed Use Commercial and Residential
Loan Amount: $1,100,000
Challenge: Investor acquired a mixed-use property at auction in Orange County. Auction required proof of funds and same-week close. No conventional financing was possible.
Solution: Private capital structured within 48 hours of contact. Proof of funds issued same day. Transaction closed within 6 business days of auction date.
Outcome: Investor completed light commercial renovation and residential upgrades. Property value increased significantly post-stabilization.
What Investors Say About Working With Troy Mire
I had 9 days to close and my lender backed out. Troy reviewed the deal the same afternoon I called, had terms to me by end of day, and we closed with 2 days to spare. He did not oversell and he did not miss a step. That is rare.
Fix and flip investor, Los Angeles County
I have done four deals with Troy over the past two years. He knows how to structure around problems that other lenders use as excuses to say no. My tax returns are a mess because of how my business is set up. He never made that an issue.
Investor, San Bernardino County
What I appreciate most is that Troy is direct. He told me the first deal I brought him had a structure problem and explained exactly why. He helped me renegotiate the purchase price before we proceeded. That kind of honesty saved me from a bad outcome.
Real estate investor, Orange County
I had been trying to get a bridge loan for six weeks with two other lenders. Both went quiet. Troy closed in 11 days. He answered every call and every text. I have sent three referrals to him since then.
Investor, Riverside County
ARV-Based Fix and Flip Loans California
Fix and flip loans in California are structured around the after repair value of the property rather than the borrower's income or credit score. Troy Mire arranges hard money and private capital fix and flip loans at up to 70% of ARV, covering purchase price and rehab costs for investors across Los Angeles, Long Beach, Anaheim, Riverside, San Bernardino, Pomona, Fontana, Compton, and Inglewood.
Fast Close Hard Money Rehab Financing Southern California
Fix and flip loans arranged through Troy Mire can close in as little as 5 to 10 business days. No income documentation required. No tax returns. Qualification is based on property value, deal structure, and equity position. Serving all of Southern California including Los Angeles County, Orange County, Riverside County, San Bernardino County, Ventura County, and San Diego County.
Frequently Asked Questions
- What is a fix and flip loan in California?
- A short-term hard money or private capital loan used to purchase and renovate a property for resale. Based on ARV rather than borrower income. Troy Mire arranges fix and flip loans across Southern California. Call 562-244-7963.
- How does ARV-based lending work?
- Lenders advance up to 65 to 70% of the after repair value, which in most California scenarios covers both the purchase price and rehab costs.
- How fast can a fix and flip loan close in California?
- As little as 5 to 10 business days depending on title and deal structure.
- Do I need good credit to get a fix and flip loan?
- No. Fix and flip loans are asset-based. Qualification focuses on the property value and deal structure, not the borrower's credit score or income documentation.
- Does Troy Mire work with investors in Los Angeles, Long Beach, and Orange County?
- Yes. Troy Mire arranges fix and flip loans across all of Southern California including Los Angeles, Long Beach, Anaheim, Orange County, Riverside County, San Bernardino County, Ventura County, and San Diego County. DRE 01199870. NMLS 1795353.
Troy Mire | California Real Estate Broker and Fix and Flip Loan Specialist
DRE 01199870 | NMLS 1795353
Phone: 562-244-7963 | Email: [email protected]
Serving: Los Angeles, Long Beach, Anaheim, Orange County, Riverside, San Bernardino, Ventura County, San Diego County
troymireteam.com | tmirebroker.com/troy-mire-ca | troypmire.com