$1.8M Acquisition Loan, Los Angeles, CA
Fast and Flexible Acquisition Loan on multiple rental properties:
A Rubicon Success Story
Loan Amount: $1,800,000
Loan Term: 12 Months
CLTV: under 55%
Loan Position: First Position Deed of TrustÂ
How Rubicon Mortgage Fund, LLC Closed a $1.8M Acquisition Loan in Just Two Weeks
When it comes to securing an acquisition loan for investment purposes, speed, creativity, and expertise are critical. At Rubicon Mortgage Fund, LLC we recently demonstrated all three in a successful $1.8 million acquisition loan that helped an experienced borrower seize a high-potential investment opportunity. This case highlights not only our lending capabilities but also the synergy weâre building with fellow private lenders across California, including those in the LA hard money market.
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Referred by a Private LA Mortgage Fund: Out-of-Box Lending That Delivered
This loan originated from a reputable private mortgage fund based in Los Angeles. While the borrower initially sought $1.2 million, to close the transaction. The LA-based fund recognized the opportunity but turned to Rubicon Mortgage Fund for executionâknowing our track record for speed, certainty, and creative structuring. This referral highlights the growing synergy between private lenders and our reputation as a reliable source for flexible, fast acquisition loans outside the scope of traditional lending.
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Creative Structuring: Cross-Collateralization to Secure the Deal
Traditional banks had already declined the borrower due to insufficient down payment and limited current cash flow from the property. Additionally, all leases on the investment property were month-to-month, and banks preferred long-term stability.
Rather than walking away, we got creative.
We structured a cross-collateralized acquisition loan, by crossing the subject properties with another property owned free and clear by the borrowerâa 3,500 sq.ft. single-family rental in West Sacramento sitting on a .79-acre lot. This creative structuring allowed the borrower to meet closing requirements without refinancing other properties or scrambling for additional capital.
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About the Borrower: Experienced, Organized, and Entrepreneurial
The borrower is a high-net-worth business owner with a diversified portfolio including gas stations and apartment complexes. Their entrepreneurial acumen and organizational skills gave us full confidence in their ability to execute the business plan. This wasnât their first acquisitionâand it wonât be their last.
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Property Details: 11- individual stand-alone units on 7 Parcels
The property acquired via this acquisition loan consists of 11 fully occupied units: six 3-bedroom units and five 2-bedroom units, all spread across seven individual parcels. The total lot size is just over 1 acre with a building footprint of 9,325 sq.ft. The asset has zero vacancies and strong rental potential.
The borrower plans to renovate units gradually as vacancies arise, steadily increasing rental income and enhancing long-term value. The exit strategy is to liquidate another asset to repay the acquisition loan, making this a clean and well-thought-out transaction.
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Conclusion: When You Need an Acquisition Loan, Experience Matters
At Rubicon Mortgage Fund, LLC we specialize in making complex deals simple. Whether referred by another lender or seeking us directly, our clients rely on us for acquisition loans that move fast, close reliably, and align with their broader investment goals.
If you’re facing limitations with traditional financing or need a trusted partner to help navigate a creative acquisition, contact Rubicon Mortgage Fund today. We’re here to help you unlock opportunities with smart, flexible, and strategic acquisition loans.
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info@rubiconfund.net | 925-283-8919
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