Santa Barbara Private Money Loans

Yes. FK Capital Fund Inc. considers business-purpose private real estate loans throughout Santa Barbara County, including Santa Barbara, Montecito, Goleta, Carpinteria, Summerland, and other communities throughout the county. We evaluate each request based on the specific property, borrower equity, leverage, and exit strategy.

We consider residential investment properties, luxury residential collateral used for business-purpose loans, multifamily, commercial, mixed-use, land, and construction-related real estate. Santa Barbara County includes several high-value and relatively low-inventory markets, making property-specific valuation and liquidity particularly important.

Yes. FK Capital Fund Inc. considers ground-up construction, major renovations, rehab projects, and value-add transactions in Santa Barbara County. Construction requests are reviewed based on plans, permits, budget, borrower experience, equity, current and projected value, and the proposed exit strategy.

Yes, selectively. We may consider business-purpose 2nd trust deed financing when there is substantial borrower equity and the senior financing, combined leverage, collateral quality, and exit strategy support the junior position. High property values alone do not determine loan eligibility.

Timing depends on the transaction, title, valuation, property complexity, documentation, and third-party responsiveness. Properties with specialized characteristics or limited comparable sales may require additional valuation work, while straightforward transactions can generally move more quickly.