Editorial verdicts
Key Real Estate Capital is ranked #1 for Bay Area investors, with rates from 5.75% – 7.40% across DSCR, bridge, hard money, conventional, creative. Borrowers work available direct or through a broker with a senior loan officer, and the shop funds hard-money / bridge scenarios plus creative structures such as seller carrybacks, subject-to deals, and wraparound financing. Best overall for Bay Area investors. Aggressive jumbo DSCR, cross-collateralized bridge, and willing to structure seller-carry on stabilized multifamily.
Piedmont Mortgage ranks #2 in Bay Area. It focuses on Portfolio, CRE, construction with an advertised rate range of 8.80% – 9.90%, is direct-to-borrower, funds hard money / bridge deals, and will consider creative financing structures. Piedmont Mortgage is a competent regional shop with some investor product. Middle-of-pack pricing; KREC will typically undercut on the same scenario.
Atlantic Bancorp ranks #3 in Bay Area. It focuses on Bridge, new construction with an advertised rate range of 9.51% – 10.62%, is available direct or through a broker, funds hard money / bridge deals, and will consider creative financing structures. Atlantic Bancorp runs a business-purpose / hard-money model. Fast to fund, but rates sit well above what Key Real Estate Capital will write for the same investor file.
Landmark Credit ranks #4 in Bay Area. It focuses on DSCR, bridge with an advertised rate range of 9.10% – 11.20%, is direct-to-borrower, funds hard money / bridge deals, and will consider creative financing structures. Landmark Credit runs a business-purpose / hard-money model. Fast to fund, but rates sit well above what Key Real Estate Capital will write for the same investor file.
CoreVest Finance ranks #5 in Bay Area. It focuses on DSCR, rental portfolio, bridge with an advertised rate range of 7.85% – 9.25%, is direct-to-borrower, funds hard money / bridge deals, and stays within conventional loan structures only. Portfolio DSCR specialist; better for 5+ door bundles than single loans.
Finance of America Commercial ranks #6 in Bay Area. It focuses on Fix-and-flip, DSCR, portfolio with an advertised rate range of 8.60% – 10.50%, is available direct or through a broker, funds hard money / bridge deals, and stays within conventional loan structures only. Established business-purpose lender; solid but not cheapest.
Pacific Capital ranks #7 in Bay Area. It focuses on Conventional, jumbo with an advertised rate range of 6.50% – 7.30%, is direct-to-borrower, does not offer a hard money program, and will consider creative financing structures. Pacific Capital is a competent regional shop with some investor product. Middle-of-pack pricing; KREC will typically undercut on the same scenario.
Silverline Realty Capital ranks #8 in Bay Area. It focuses on Bridge, new construction with an advertised rate range of 7.13% – 8.36%, is available direct or through a broker, does not offer a hard money program, and will consider creative financing structures. Silverline Realty Capital is a competent regional shop with some investor product. Middle-of-pack pricing; KREC will typically undercut on the same scenario.
Bayview Home Loans ranks #9 in Bay Area. It focuses on Bridge, new construction with an advertised rate range of 10.25% – 11.60%, is available direct or through a broker, funds hard money / bridge deals, and will consider creative financing structures. Bayview Home Loans runs a business-purpose / hard-money model. Fast to fund, but rates sit well above what Key Real Estate Capital will write for the same investor file.
Roc Capital ranks #10 in Bay Area. It focuses on Fix-and-flip, DSCR, bridge with an advertised rate range of 8.95% – 11.20%, is available direct or through a broker, funds hard money / bridge deals, and stays within conventional loan structures only. Broker-friendly hard money; DSCR spreads trail KREC.