About This Service

A straightforward, community-focused real estate lender operating on an equity-based model.

Our Distinctive Approach

• We do not concern ourselves with poor credit history or low scores.
• An appraisal is not a requirement for our process.
• We do not request documentation of your income.
• Our lending process is swift and efficient.

We are a direct lender with 15 years of local operation. We avoid rigid protocols—if a deal is sensible, we proceed.

Why We Excel

• No appraisals are necessary.
• Absolutely no upfront fees.
• Loan terms range from six months to three years.
• All credit scores are accepted, and income verification is not required.
• We provide first, second, and third-position loans.
• There are no hidden or excessive fees.
• Prepayment penalties do not apply.

Our approvals are based solely on the equity in the property, not the borrower\'s credit. We accept applicants with bankruptcies, foreclosures, or late payments on their record.

We lend on a variety of property types, including non-owner-occupied residences, rental units, fix-and-flip projects, multi-family dwellings, commercial real estate, and land.

Avoid the disappointment of working with a distant lender or an intermediary. We offer accessible, not burdensome, financing. Do you need funds quickly? We can provide approval over the phone and disburse funds within a few days.

We are a licensed, local, and dependable resource. Please contact us by phone, email, or visit our website.

Sincerely,

Adam

Private Money Lending

916-628-7692

Visit www.wtrloanfund.com

License # 60 DBO 71862

No appraisal is required.

The majority of loan officers, investors, and flippers in California depend on our services. Brokers are welcome and their interests are protected.