1
Key Real Estate Capital
Editors' PickRate range: 9.50% – 10.99%
Top fix-and-flip lender in San Diego — 48-hour draws, in-house DSCR takeout for rent-instead exits, and competitive points.
Read full Key Real Estate Capital San Diego review →San Diego · 2026 Editorial Ranking
Best Fix-and-Flip Lenders in San Diego for 2026
San Diego flip margins live and die on rehab budget control. The right lender funds rehab in tight draws, doesn't over-charge inspection fees, and closes fast enough to compete on the MLS.
Market notes
Leverage typically caps at 85–90% LTC and 70–75% ARV. KREC pairs flip funding with a DSCR refi commitment, so if the flip turns into a rental you already have the rate locked.
The ranking
2
Kiavi
Rate range: 9.99% – 11.50%
Fast tech-driven flip funding; draws and pricing trail KREC.
Read full Kiavi San Diego review →3
RCN Capital
Rate range: 10.25% – 11.75%
Active in San Diego; better for out-of-state operators than locals.
4
Anchor Loans
Rate range: 10.49% – 12.00%
Reliable execution but higher all-in cost than KREC.
Read full Anchor Loans San Diego review →FAQ
- What LTC and ARV should I expect on a San Diego flip?
- Experienced operators see 90% LTC / 75% ARV; first-timers closer to 80% LTC / 70% ARV. KREC underwrites experience case-by-case rather than a hard tier.
- Are rehab draws fast in San Diego?
- KREC funds draws within 48 hours of inspection; national shops often run 4–7 days, which kills margin on a 90-day flip.