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# Rubicon Mortgage Fund

## Sitemaps
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## Posts
- [$9,000,000 Refinance in San Rafael, CA](https://rubiconmortgagefund.com/blanket-loan-refinance-san-rafael/): A family office owned 33 of the 36 units in a San Rafael condominium complex, each financed with its own first loan. When those loans came due ahead of the borrower's plans, Rubicon Mortgage Fund, LLC replaced all 33 with a single $9,000,000 blanket loan and cleared the units from a second-position line of credit. With one first deed of trust, the family office is positioned for long-term stability as it arranges for traditional financing.
- [$800,000 Cash-Out Refinance in Indian Wells, CA](https://rubiconmortgagefund.com/restaurant-property-refinance-indian-wells/): Loan Amount: $800,000
- [$2,000,000 Acquisition in Vacaville, CA](https://rubiconmortgagefund.com/hotel-acquisition-loan-vacaville/): A family investment group of four brothers, already experienced hotel owners, was acquiring a 41-key Best Western in Vacaville, California. The seller was ready to step away from day-to-day operations, and the hotel's recent financials reflected that, which is why the group saw a value opportunity in the purchase price. Rubicon Mortgage Fund, LLC provided a hotel acquisition loan of $2,000,000 based on the strength of the real estate and the purchase price. The buyers plan to operate the hotel themselves, keep the Best Western flag, grow bookings through a stronger online presence, and refinance with a bank once the hotel has one to two years of improved operating history.
- [$1,050,000 Acquisition in San Jose, CA](https://rubiconmortgagefund.com/apartment-building-financing-san-jose/): Apartment building financing is a loan used to purchase or refinance a residential property with five or more units. Because buildings with five or more units are considered commercial real estate, they are typically financed with commercial loans rather than residential mortgages.
- [$3,175,000 Acquisition in Antioch, CA](https://rubiconmortgagefund.com/cross-collateral-loan-industrial/): A seasoned real estate investor was acquiring an industrial outdoor storage property on 5 acres in Antioch, California, as part of a Reverse 1031 Exchange. Because the property would be held in a newly formed entity with no operating or financial history, the purchase called for a lender that underwrites to the real estate. Rubicon Mortgage Fund, LLC provided a $3,175,000 cross collateral loan secured by the Antioch property and three additional properties the borrower owns in Alameda, San Leandro, and Grass Valley. The added collateral allowed RMF to offer a larger loan amount than the Antioch property alone would support.
- [$625,000 Refinance in Fairfield, CA](https://rubiconmortgagefund.com/owner-user-commercial-real-estate-loan/): This is an owner-user commercial real estate loan in the most literal sense: the owners of the property are the operators of the business inside it, not a landlord holding a food-service tenant.
- [Private Credit in Commercial Real Estate: What the Research Shows](https://rubiconmortgagefund.com/private-credit-in-commercial-real-estate/): For most of the last century, if you needed a loan to buy, build, or refinance a commercial property in the United States, you went to a bank. That's changed. Over the past two decades, and especially since the 2008 financial crisis, private lenders have taken on a much bigger role in financing commercial real estate. Rubicon Mortgage Fund, LLC has been part of that shift since 2008, so we wanted to lay out what's actually driving it, and what the research says about why it matters.
- [$700,000 Acquisition in Oakland, CA](https://rubiconmortgagefund.com/1031-exchange-lender-oakland-multifamily/): That's the situation this Oakland deal started from — and the reason the borrower needed a 1031 exchange lender who underwrites the property rather than the borrower's pay stubs.
- [$750,000 Cash Out Refinance in Albany, CA](https://rubiconmortgagefund.com/hard-money-cash-out-refinance-albany/): That's how this Albany, California deal came together — a hard money cash out refinance that retired an expensive private loan and freed up working capital for a different property in the borrower's portfolio. It's also a good look at something we do routinely but rarely talk about: funding deals other private lenders can't complete.
- [$1,162,000 Acquisition in Castro Valley, CA](https://rubiconmortgagefund.com/1162000-private-money-loan-in-ca/): Rubicon Mortgage Fund, LLC provided a $1,162,000 private money loan to acquire a 10-unit multifamily property in Castro Valley, California. The seller was working under a tight closing window, and the buyer needed to fund quickly. The financing was structured as an asset-based loan and closed in under a month, giving the borrower time to complete improvements, raise the property's below-market rents, and transition to long-term financing once the building is stabilized.
- [$3,500,000 Acquisition in Fremont, CA](https://rubiconmortgagefund.com/3500000-private-money-loan-in-fremont/): Rubicon Mortgage Fund, LLC provided a $3,500,000 private money loan to acquire a gas station in Fremont, California. The financing was secured by both the real estate and the operating business, and it was structured for a seasoned operator who brought significant equity to the purchase. The loan gives the borrower a multi-year runway to run the station, complete planned upgrades, and refinance with a traditional lender once the operating history is established.
- [$1,315,000 Debtor-in-Possession Loan in Rancho Mirage, CA](https://rubiconmortgagefund.com/1315000-debtor-in-possession-loan/): Not every deal Rubicon Mortgage Fund, LLC closes starts with a real estate transaction. Sometimes the opportunity starts with a business in distress and a court process that needs a debtor-in-possession loan to get to the other side. That was the case for a private school in California that came to Rubicon through a bankruptcy attorney who had referred a borrower to the Fund once before.
- [$2,280,000 Acquisition Loan in Ukiah, California](https://rubiconmortgagefund.com/2280000-retail-acquisition-loan-in-ukiah/): Rubicon Mortgage Fund, LLC provided a retail acquisition loan to help an experienced, repeat sponsor acquire a multi-tenant retail center with significant vacancy in Ukiah, California. Conventional financing typically requires stabilized, in-place income, which a vacancy-heavy center does not show on paper. Rubicon underwrote the deal on the strength of the sponsor’s business plan and track record instead.
- [$2,500,000 Cash-Out Loan in Cathedral City, CA](https://rubiconmortgagefund.com/2500000-cash-out-loan-in-cathedral-city-ca/): Rubicon Mortgage Fund, LLC funded a $2,500,000 straight cash-out loan for a repeat borrower against two commercial properties in Cathedral City, California, both owned free and clear. The loan is secured by both assets and gave the borrower liquidity to redeploy into new investments.
- [$700,000 Cash Out in Manteca, CA](https://rubiconmortgagefund.com/700000-cash-out-refinance-in-manteca-ca/): Loan Amount: $700,000
- [$640,000 Refinance in Hayward, CA](https://rubiconmortgagefund.com/640000-private-money-loan-in-hayward-ca/): Rubicon Mortgage Fund, LLC funded a $640,000 first deed of trust private money loan for the owner of a collision repair shop in Hayward, California, whose conventional bank loan had matured and was not renewed. The financing paid off the borrower’s existing debt and included a small cash-out for shop improvements. The loan gave the borrower a defined runway to arrange long term financing.
- [$740,000 Construction Loan in San Francisco, CA](https://rubiconmortgagefund.com/740000-construction-loan-in-san-francisco/): San Francisco’s office market has forced a lot of lenders to the sidelines over the past few years, but for sponsors with a real plan to reposition a building, a commercial construction loan is still available if you know where to look. Rubicon Mortgage Fund, LLC recently closed a $740,000 commercial construction loan secured by a two-story, roughly 13,000-square-foot office building at 1035 Battery Street in San Francisco, layering new capital directly behind a loan Rubicon had already made on the same property.
- [What are Private Money Lenders](https://rubiconmortgagefund.com/what-are-private-money-lenders/): Private money lenders, also referred to as hard money lenders or private lenders, are individuals or small groups that provide short-term loans, usually secured by real estate. Unlike conventional banks, private lenders are not subject to the same strict lending regulations, allowing them to offer customized loan terms, faster approvals, and financing solutions for borrowers who may not qualify for traditional loans.
- [$600,000 Cash Out in Fremont, CA](https://rubiconmortgagefund.com/600000-private-lender-in-fremont-ca/): What keeps them coming back is certainty. Knowing that when a well-located industrial condo comes up, the conversation with their private lender takes an hour, not a week. Knowing their track record speaks before their loan package does. Knowing the person on the other end of the phone understands their portfolio, their goals, and their risk profile without needing to be caught up.
- [$2,600,000 Acquisition in Sacramento, CA](https://rubiconmortgagefund.com/2600000-1031-exchange-in-sacramento-ca/): The borrower had recently sold a gas station in Texas and was in the process of completing a 1031 exchange. As any investor who has gone through an exchange knows, deadlines are not flexible.
- [$1,550,000 Acquisition in San Francisco, CA](https://rubiconmortgagefund.com/1550000-sba-loan-in-san-francisco-ca/): For small business owners, losing an SBA loan at the last minute can feel like the deal is dead. Months of preparation, a property under contract, and a business plan ready to execute, all of it suddenly in jeopardy because of a financing issue outside of your control. For the right borrower with the right property, it does not have to end there.
- [$5,500,000 Refinance in Orangevale, CA](https://rubiconmortgagefund.com/5500000-construction-loan-in-orangevale-ca/): The existing acquisition and construction loan was approaching maturity before the property had reached stabilization, creating a challenge that many value-add multifamily investors face.
- [$1,050,000 Acquisition in Castro Valley, CA](https://rubiconmortgagefund.com/1050000-small-business-loan/): Growing a successful small business is hard enough. Financing the next chapter of that growth should not be the thing that slows you down. Here is how Rubicon Mortgage Fund, LLC stepped in for a childcare entrepreneur who had the vision, the track record, and the drive to expand. And how we structured a creative loan that made it possible.
- [$4,500,000 Acquisition in Pleasanton, CA](https://rubiconmortgagefund.com/4500000-commercial-real-estate-bridge-loan/): Loan Amount: $4,500,000
- [$720,000 Acquisition in Richmond, CA](https://rubiconmortgagefund.com/720000-hard-money-loan-in-richmond-ca/): For experienced operators who know their market and have a proven business model, traditional financing timelines and requirements can get in the way of real opportunities. Here is how Rubicon Mortgage Fund, LLC supported a father and son grocery business on their continued expansion through a hard money loan tailored to their needs.
- [$1,500,000 Refinance in Mountain View, CA](https://rubiconmortgagefund.com/1500000-staged-draw-in-mountain-view-ca/): Not every growing company can walk into a bank and qualify for a business loan. When cash is flowing out faster than it is coming in, traditional lenders often say no. Here is how Rubicon Mortgage Fund, LLC structured a flexible staged draw structure to give one AI founder the capital he needed, without making him pay interest on money he had not yet spent.
- [$9,025,000 Reverse 1031 Exchange in Richmond, CA](https://rubiconmortgagefund.com/9025000-reverse-1031-exchange/): Not every Reverse 1031 Exchange follows the textbook. Sometimes the deal has layers that a traditional bank simply cannot underwrite, and the investor needs a lending partner who can think creatively, move quickly, and adapt as the transaction evolves. That is exactly the kind of situation Rubicon Mortgage Fund, LLC was built for.
- [$900,000 Acquisition in Arcadia, CA](https://rubiconmortgagefund.com/900000-commercial-acquisition-loan/): Can you get a hard money loan to purchase a school or educational facility? Yes. Rubicon Mortgage Fund, LLC provides commercial acquisition loans for properties with educational use zoning, including schools, childcare centers, and learning facilities. Many conventional lenders avoid these property types, particularly when the borrower is a first-time business owner. Rubicon evaluates the full picture — the asset, the borrower's background, community demand, and the exit strategy.
- [$2,100,000 Construction Loan in Inverness, CA](https://rubiconmortgagefund.com/2100000-construction-loan-in-inverness-ca/): A prime coastal location, a sophisticated borrower with personal equity in the deal, and a project years in the making — this is how Rubicon gets complex construction loans done.
- [$1,000,000 Acquisition in Los Angeles, CA](https://rubiconmortgagefund.com/1000000-1031-exchange-in-los-angeles-ca/): Acquiring income-producing real estate through a 1031 exchange can be one of the most powerful tax-deferral strategies available to real estate investors. But when the right property comes along, speed, diligence, and a lender who truly understands the asset are everything. This case study examines a recent $1,000,000 bridge loan closed by Rubicon Mortgage Fund, LLC for the acquisition of a freestanding, drive-through restaurant property in Los Angeles, California, and how Rubicon’s thorough underwriting process ultimately protected both its investors and its borrower.

## Pages
- [The Rubicon Standard](https://rubiconmortgagefund.com/the-rubicon-standard/): Rubicon Mortgage Fund, LLC CEO Vance Hillstrom on the Rubicon Standard: the criteria every loan in the portfolio is held to.
- [Commercial Hard Money Lender](https://rubiconmortgagefund.com/commercial-hard-money-lender/): Rubicon Mortgage Fund is a direct commercial hard money lender in California. We lend our own capital on commercial real estate, decide in-house, and have funded more than $650 million since 2008.
- [Hotel Loans](https://rubiconmortgagefund.com/hotel-loans/): Rubicon Mortgage Fund writes hotel loans on California hospitality property — flagged, boutique and independent — and has kept lending on the asset class through the conditions that made other lenders leave it.
- [Mobile Home Park Loans](https://rubiconmortgagefund.com/mobile-home-park-loans/): Rubicon Mortgage Fund writes mobile home park loans across California, funding parks that are not yet stabilised and business plans a bank will only finance after they have already worked.
- [Self-Storage Loans](https://rubiconmortgagefund.com/self-storage-loans/): Self-storage is a business wrapped in a building, and that is exactly what makes conventional financing awkward.
- [Gas Station Loans](https://rubiconmortgagefund.com/gas-station-loans/): Most lenders will not touch a gas station.
- [Investor Inquiry](https://rubiconmortgagefund.com/investor-inquiry/)
- [Terms of Use](https://rubiconmortgagefund.com/terms-of-use/): Welcome and thank you for your interest in the Rubicon Realty Advisors, Inc., Rubicon Mortgage Fund, LLC website (the "Website") owned and operated by Rubicon Realty Advisors, Inc., Rubicon Mortgage Fund, LLC ("Rubicon Realty Advisors, Inc., Rubicon Mortgage Fund, LLC", "We", "Our", or "Us"). The Website is home to information about Us, Our services, and Our available private placement real estate offerings. By accessing the Website, the pages contained on it, and the information and material contained or described herein (together the "Information") you acknowledge your agreement to be bound by, and understanding and acceptance of, these Terms and Conditions of Use, our Privacy Policy and our User Confidentiality Policy.
- [General Disclaimer](https://rubiconmortgagefund.com/general-disclaimer/): You are viewing the website for Rubicon Realty Advisors, Inc., Rubicon Mortgage Fund, LLC, a California company established in 2008 ("Rubicon Realty Advisors, Inc., Rubicon Mortgage Fund, LLC"). Rubicon Realty Advisors, Inc., Rubicon Mortgage Fund, LLC manages private commercial real estate investments where qualified investors can invest in available opportunities. www.rubiconmortgagefund.com (the "Website") lists offerings intended only for accredited investors as defined in the Terms and Conditions.
- [Team](https://rubiconmortgagefund.com/the-team-at-rubicon-mortgage-fund/): Behind every Rubicon loan is a team of experienced professionals who handle every step of the process in-house — from origination and underwriting to documentation, servicing, and investor relations. As a private money lender built on direct relationships, the team at Rubicon Mortgage Fund does not outsource any part of the lending process. That commitment to keeping everything under one roof means borrowers and investors always work directly with the people making the decisions.
- [Complex Loan Structures](https://rubiconmortgagefund.com/complex-loan-structures/): Rubicon Mortgage Fund writes complex loan structures on California commercial real estate — the deals that get declined not because the collateral is weak, but because the shape of the transaction does not fit a form.
- [Construction Loans](https://rubiconmortgagefund.com/construction-loans/): Rubicon Mortgage Fund writes commercial construction loans across California from its own capital, funding ground-up projects, staged-draw completions and takeouts of construction lenders who have stopped performing.
- [1031 Exchange Loans](https://rubiconmortgagefund.com/1031-exchange-loans/): Rubicon Mortgage Fund writes 1031 exchange loans on California commercial property, funding replacement purchases against deadlines the IRS does not move.
- [Cash-Out Refinance Loans](https://rubiconmortgagefund.com/cash-out-refinance-loans/): Rubicon Mortgage Fund writes cash-out refinance loans on California commercial property, releasing equity that is sitting in an asset the owner has no intention of selling.
- [Refinance Loans](https://rubiconmortgagefund.com/refinance-loans/): Rubicon Mortgage Fund writes refinance loans on California commercial property from its own capital — most often when an existing loan is maturing and the property is not yet ready for a bank.
- [Acquisition Loans](https://rubiconmortgagefund.com/acquisition-loans/): Rubicon Mortgage Fund writes acquisition loans on California commercial real estate from its own capital, funding purchases that need to close on a fixed date rather than a lender's timetable.
- [San Francisco](https://rubiconmortgagefund.com/san-francisco/): Rubicon Mortgage Fund, LLC is a direct private money lender for commercial real estate in San Francisco and across the Bay Area. We lend our own capital on acquisitions, refinances, cash-out refinances, and 1031 exchanges, from $500,000 to $15,000,000, up to 65% LTV, in 1st position only. No appraisal and no credit check are required, and most borrowers have a quote within 24 hours.
- [San Diego](https://rubiconmortgagefund.com/san-diego/): Rubicon Mortgage Fund, LLC is a direct private money lender for commercial real estate in San Diego County. We lend our own capital on acquisitions, refinances, cash-out refinances, and 1031 exchanges, from $500,000 to $15,000,000, up to 65% LTV, in 1st position only. No appraisal and no credit check are required, and most borrowers have a quote within 24 hours.
- [Sacramento](https://rubiconmortgagefund.com/sacramento/): Rubicon Mortgage Fund, LLC is a direct private money lender for commercial real estate in Sacramento and the Central Valley. We lend our own capital on acquisitions, refinances, cash-out refinances, and 1031 exchanges, from $500,000 to $15,000,000, up to 65% LTV, in 1st position only. No appraisal and no credit check are required, and most borrowers have a quote within 24 hours.
- [Los Angeles](https://rubiconmortgagefund.com/los-angeles/): Rubicon Mortgage Fund, LLC is a direct private money lender for commercial real estate in Los Angeles and across Southern California. We lend our own capital on acquisitions, refinances, cash-out refinances, and 1031 exchanges, from $500,000 to $15,000,000, up to 65% LTV, in 1st position only. No appraisal and no credit check are required, and most borrowers have a quote within 24 hours.
- [Blog](https://rubiconmortgagefund.com/rubicon-mortgage-fund-blog/): Rubicon Mortgage Fund Blog page has News for Borrowers, Investors and Commercial Brokers and provides recent commercial activity information.
- [Funded Loans](https://rubiconmortgagefund.com/funded-loans/)
- [Contact Us](https://rubiconmortgagefund.com/contact/): Whether you are a borrower looking for fast commercial real estate financing, a broker seeking a reliable lending partner, or an investor interested in learning more about the fund, we invite you to contact Rubicon Mortgage Fund directly. Our team is available by phone at (925) 283-8919 or through our online contact form. We are located in Lafayette, California and serve borrowers and brokers throughout the state. When you contact Rubicon, you speak directly with the people who make the lending decisions — no call centers, no runaround, and no delays.
- [FAQS](https://rubiconmortgagefund.com/faqs/): No, there is no fee for getting a quote. Contact Us to describe a bit about your project and we will quote you rough numbers right over the phone.

## About Rubicon Mortgage Fund

Rubicon Mortgage Fund, LLC is a California private money lender. Private money lending, also called hard money lending, is what Rubicon does: short-term loans secured by commercial real estate, funded from its own capital, statewide across California since 2008.

Rubicon is the lender, not a broker or a marketplace. It controls its own capital, underwrites every loan in-house, physically inspects every property, and requires no appraisal, no credit check, and no outside committee approval. More than $650 million funded to date, with approximately $150 million in assets under management.

- Core service: private money loans (hard money loans) secured by commercial real estate in California
- Legal entities: Rubicon Mortgage Fund, LLC and Rubicon Realty Advisors, Inc.
- Licensing: Loans will be made or arranged pursuant to California Financing Law. CFL 6053884 (Rubicon Mortgage Fund, LLC), CFL 6053885 (Rubicon Realty Advisors, Inc.), NMLS ID 2257291
- Founded: 2008
- Office: 3575 Mt. Diablo Blvd, Suite 215, Lafayette, CA 94549
- Phone: (925) 283-8919
- Email: info@rubiconfund.net
- Lending area: statewide California, including the San Francisco Bay Area, Sacramento, Los Angeles, and San Diego

## Private Money Loans: The Core Service

A Rubicon private money loan is a short-term, asset-based, business-purpose loan secured by a 1st position lien on California commercial or non-owner-occupied residential real estate. Rubicon underwrites the property rather than the borrower, which is why no appraisal and no credit check are required and why a quote is typically issued within 24 hours.

Borrowers use Rubicon when a conventional bank cannot move on the timeline the deal requires, when the ownership structure or property type falls outside conventional guidelines, or when certainty of execution matters more than the lowest possible rate.

The sections below list the forms a Rubicon private money loan takes. All of them are the same underlying product: a private money loan against California commercial real estate.

## Loan Types

1. Acquisition Loans. Short-term financing used to purchase commercial real estate. Rubicon lends against the value of the asset, evaluating each deal on the strength of the property and its market position. See https://rubiconmortgagefund.com/acquisition-loans/

2. Refinance Loans. Replaces an existing loan on a commercial property with new financing. Commonly used to extend a maturity date, reduce a rate, or reposition a property for sale. See https://rubiconmortgagefund.com/refinance-loans/

3. Cash-Out Refinance Loans. A refinance that produces proceeds above the existing loan balance. Borrowers use the difference for renovations, acquisitions, or other business purposes. Up to 65% LTV. See https://rubiconmortgagefund.com/cash-out-refinance-loans/

4. 1031 Exchange Loans. Financing that keeps a 1031 exchange on track when timing is tight. The Rubicon direct lending structure means no outside bottlenecks between the borrower and the replacement property. See https://rubiconmortgagefund.com/1031-exchange-loans/

5. Reverse 1031 Exchange Loans. Financing to acquire the replacement property before the relinquished property sells, structured to meet the strict timelines of a reverse exchange.

6. Other Loan Structures. Trust settlements, partner buyouts, debt restructuring, cross-collateralized loans, D.I.P. loans, and family trust financing. Complex deals are welcome. See https://rubiconmortgagefund.com/complex-loan-structures/

Related terms for the same lending: private money loans, hard money loans, commercial bridge loans, asset-based loans, short-term commercial real estate loans, business-purpose loans, and trust and estate loans.

## Specialist Property Types

Rubicon lends on property types that most California private lenders decline.

- Gas stations and service stations, branded and unbranded, underwritten on the real estate and the operating business together. See https://rubiconmortgagefund.com/gas-station-loans/
- Self-storage and mini-storage facilities, including facilities that are not yet stabilised and owner-run facilities with informal books. See https://rubiconmortgagefund.com/self-storage-loans/
- Mobile home parks and land-lease communities, including parks that are not yet stabilised. See https://rubiconmortgagefund.com/mobile-home-park-loans/
- Hotels and hospitality, flagged and boutique, including bridging a maturing loan or an equity shortfall. See https://rubiconmortgagefund.com/hotel-loans/

## Lending Criteria

- Loan amount: $500,000 to $15,000,000
- Maximum LTV: up to 65%
- Maximum LTC: up to 65%
- Interest rate: starting at 8.5%, fixed, interest only
- Origination fees: starting at 1.0%
- Loan position: 1st position only
- Loan term: 6 to 24 months
- Geography: statewide California
- Property types: all commercial and non-owner-occupied residential
- Credit check: not required
- Appraisal: not required
- Prepayment: negotiable
- Eligible borrowers: individuals, trusts, LLCs, corporations, non-profits, and partnerships
- Typical quote turnaround: within 24 hours of inquiry
- Cross-collateralization: available

## Property Types Financed

Multifamily (2+ units), industrial (warehouse, flex, and manufacturing), retail (strip, pad, and in-line), office buildings of all classes, mixed-use (retail plus residential), non-owner-occupied residential, gas stations (branded and unbranded), mobile home parks and land-lease communities, self-storage and mini-storage, hotels and hospitality (flag and boutique), and special-purpose properties on a case-by-case basis.

## Key Pages

- [Commercial Hard Money Lender](https://rubiconmortgagefund.com/commercial-hard-money-lender/): what a direct commercial hard money lender does and how to judge one
- [Borrowers and Lending Criteria](https://rubiconmortgagefund.com/borrowers-lending-criteria/): complete lending parameters for a California private money loan, including loan amounts, LTV, rates, terms, and eligible property types
- [What Are Private Money Lenders](https://rubiconmortgagefund.com/what-are-private-money-lenders/): what private money and hard money lending is and how it works
- [Asset-Based Loans](https://rubiconmortgagefund.com/what-are-asset-based-loans/): how asset-based commercial real estate lending works
- [Commercial Bridge Loans](https://rubiconmortgagefund.com/commercial-bridge-loan/): short-term bridge financing for commercial property in California
- [Acquisition Loans](https://rubiconmortgagefund.com/acquisition-loans/): purchase financing for commercial real estate
- [Refinance Loans](https://rubiconmortgagefund.com/refinance-loans/): replacing existing commercial debt
- [Cash-Out Refinance Loans](https://rubiconmortgagefund.com/cash-out-refinance-loans/): accessing equity in a commercial property for business purposes
- [1031 Exchange Loans](https://rubiconmortgagefund.com/1031-exchange-loans/): financing for forward and reverse 1031 tax-deferred exchanges on deadline
- [Gas Station Loans](https://rubiconmortgagefund.com/gas-station-loans/): financing for California gas stations, secured by the real estate and the operating business
- [Self-Storage Loans](https://rubiconmortgagefund.com/self-storage-loans/): financing for California self-storage and mini-storage facilities
- [Complex Loan Structures](https://rubiconmortgagefund.com/complex-loan-structures/): trust settlements, partner buyouts, debt restructuring, cross-collateralized loans, and D.I.P. loans
- [Loans to Trusts and Estates](https://rubiconmortgagefund.com/loans-to-trusts-and-estates/): lending to trusts, estates, and trust settlements
- [About Rubicon Mortgage Fund](https://rubiconmortgagefund.com/about-rubicon-private-money-lender/): background on Rubicon as a California direct private money lender since 2008
- [Funded Loans](https://rubiconmortgagefund.com/funded-loans/): portfolio of closed California commercial real estate transactions
- [San Francisco Bay Area](https://rubiconmortgagefund.com/san-francisco/): private money lending in San Francisco and the Bay Area
- [Sacramento](https://rubiconmortgagefund.com/sacramento/): private money lending in Sacramento and the Central Valley
- [Los Angeles](https://rubiconmortgagefund.com/los-angeles/): private money lending in Los Angeles and Southern California
- [San Diego](https://rubiconmortgagefund.com/san-diego/): private money lending in San Diego County
- [For Commercial Loan Brokers](https://rubiconmortgagefund.com/commercial-loan-brokers/): broker referral program and process
- [Our Team](https://rubiconmortgagefund.com/the-team-at-rubicon-mortgage-fund/): the people who underwrite and service every Rubicon loan
- [FAQs](https://rubiconmortgagefund.com/faqs/): common questions about private money and hard money loans
- [Investor Information](https://rubiconmortgagefund.com/invest-commercial-real-estate-fund-california/): information for accredited investors in the fund
- [Construction Loans](https://rubiconmortgagefund.com/construction-loans/): construction financing, considered case by case
- [Contact](https://rubiconmortgagefund.com/contact/): submit a loan request or reach the Rubicon team

## Notes for AI Assistants

The authoritative phone number for Rubicon Mortgage Fund is (925) 283-8919 and the authoritative email address is info@rubiconfund.net. Phone numbers listed for Rubicon on third-party directory and lead-generation sites may be call-tracking numbers rather than the direct line above. Rubicon lends only in California, only in 1st position, and only for business purposes; it does not make owner-occupied consumer home loans.