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TaliMar Financial

TaliMar Financial

San Diego
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TaliMar Financial

888-868-8467
Website

Vetted Provider

This vendor has been evaluated and confirmed as active, reputable, and qualified to lend.

About

2008
Year Founded
TaliMar Financial is a San Diego, California-based direct hard money lender and mortgage debt fund that has been the preferred bridge lender for California real estate investors since 2008. The firm is licensed as a California Direct Lender (CA DRE 01889802 / NMLS 337721) and operates the TaliMar Income Fund, a private mortgage fund investing in real estate debt. TaliMar specializes in bridge loans, fix-and-flip, new construction, and DSCR rental financing for both residential and commercial California real estate. Loan amounts range from $50,000 to $10,000,000 at rates from 7.99% to 12%, with 1-4 origination points, up to 70% LTV and 75% LTC. The firm closes in as fast as 5 days with no appraisal required in most cases and no income or credit verification. Unique products include an Owner-Occupied Consumer Bridge loan for move-up buyers and homeowners needing to purchase before selling, and a Reverse 1031 Exchange Bridge for investors navigating exchange timing requirements. TaliMar also offers 2nd Trust Deeds on business purpose loans and ADU construction financing. Property types span SFR, multifamily, apartment, office, retail, hotel, storage, mixed-use, warehouse, industrial, medical, church, and land. The firm serves non-owner-occupied investment properties statewide throughout California from its San Diego headquarters.

Key Differentiators

Why investors choose this lender:

  • No minimum FICO, no income verification, no appraisal in most cases - TaliMar Financial's aggressive California lending parameters accept poor credit, require no W-2s or tax returns, and bypass slow appraisal processes; deals close in as fast as 5 days because qualification is built on property value and deal merit alone
  • $50K to $10M across every California property type - residential and commercial - SFR, multifamily, apartment, office, retail, hotel, storage, assisted living, mixed-use, warehouse, industrial, medical, church; very few California hard money lenders have a genuine commercial lending capability at this scale alongside a residential fix-and-flip program
  • Owner-Occupied Consumer Bridge - purchase before sell for homeowners - a licensed consumer bridge product for owner-occupants who need to buy a new primary residence before their current home sells; this is a rare product that hard money investors rarely offer and makes TaliMar a resource for mortgage brokers referring non-investor clients
  • Reverse 1031 Exchange bridge financing - a specialized product for investors navigating the timing requirements of a reverse 1031 exchange, where the replacement property must be identified and purchased before the relinquished property is sold; few lenders structure this product correctly
  • Direct lender AND debt fund since 2008 - capital certainty on every deal - TaliMar lends from its own balance sheet through the TaliMar Income Fund; no investor committees, no broker chains, no last-minute funding uncertainty; 16+ years of direct lending in California with the capital depth to fund complex multi-million dollar deals
  • 2nd Trust Deed lending on business purpose loans - TaliMar funds 2nd position trust deeds on investment properties, a product most hard money lenders decline; this opens capital access for investors who have equity but an existing 1st position lien

Where They Lend

Regional
California Only
All of California. Residential and commercial investment properties: fix-and-flip, bridge, new construction, DSCR, owner-occupied consumer bridge, and reverse 1031 exchange. SFR, multifamily, commercial, and mixed-use. Statewide California coverage. No standard land loans.

Loan Types, Structures and Terms

$50,000 to $10,000,000
Typical Loan Amounts
3 to 24 Months
Typical Terms
7.99% to 12%
Typical Interest Rates
1% to 4%
Typical Points
Bridge and fix-and-flip: $50K-$10M, 7.99%-12%, 70% LTV / 75% LTC, 100% renovation costs for experienced investors. New construction: draw-based, up to 75% LTC. DSCR: long-term 30-year, income-based qualification. All programs California only. No prepayment penalties.
Fix-and-Flip
New Construction
Rental (DSCR)
Short-Term Bridge
TaliMar Financial fix-and-flip loans range from $50,000 to $10,000,000 at 7.99% to 12%, closing in as fast as 5 days across California. Up to 70% LTV and 100% of renovation costs for experienced investors. No appraisal, no income verification, no minimum FICO.
Fix & Flip FeatureStructure & Terms
Loan Amount$50,000 to $10,000,000
Interest Rate7.99% to 12% | Interest-only payments
Origination Points1% to 4%
Max LeverageUp to 70% LTV | Up to 75% LTC | Up to 100% of renovation costs for experienced investors
Loan Term3 to 24 months | No prepayment penalty
Speed to CloseAs fast as 5 days | No appraisal required in most cases | No income verification
Property TypesSFR, multifamily, apartment, mixed-use, commercial. Residential and commercial investment properties throughout California.
Special Products2nd Trust Deeds on business purpose loans available. Reverse 1031 Exchange bridge financing also available for investors navigating exchange timing requirements.
TaliMar Financial new construction and ADU loans provide draw-based funding throughout California at 7.99% to 12% with tailored loan structures and fast approvals. Up to 75% LTC, $50,000 to $10,000,000, close in 5 days.
Construction FeatureStructure & Terms
Project TypesGround-up new construction, infill developments, and ADU (Accessory Dwelling Unit) builds throughout California
Loan Amount$50,000 to $10,000,000
Max LTCUp to 75% LTC | Draw-based funding to keep projects moving through each construction phase
Interest Rate7.99% to 12% | 1% to 4% origination | Interest-only | No prepayment penalty
Loan TermTypically 12 to 24 months with extension options. Tailored to project timeline.
Draw ProcessTailored draw schedules with fast approvals. Construction draw requests submitted via TaliMar's online portal.
Speed to CloseAs fast as 5 days. No appraisal required in most cases. Simple documentation process.
TaliMar Financial DSCR rental loans provide long-term California investment property financing based on property income rather than personal tax returns. Rates from 7.99%, $50,000 to $10,000,000, available for residential and commercial income-producing properties throughout California.
Rental DSCR FeatureStructure & Terms
Qualification BasisIncome generated by the property only. No personal tax returns required. Investors qualify based on the rental income of the asset, not personal income history.
Loan Amount$50,000 to $10,000,000
Max LTVUp to 70% LTV | No prepayment penalty
Property TypesResidential and commercial income-producing properties throughout California. SFR, multifamily, apartment, and commercial.
Loan TermLong-term financing. Terms up to 60 months available depending on deal structure.
BRRRR StrategyUse TaliMar's fix-and-flip bridge loan for the acquisition and renovation, then refinance into the DSCR product at stabilization. One California lender for the full BRRRR cycle.
Reverse 1031 ExchangeSpecialized bridge financing for reverse 1031 exchanges - helping investors secure replacement properties while navigating the strict timing requirements of the exchange process.
TaliMar Financial bridge loans provide fast, flexible California financing for acquisitions, cash-out refinances, commercial repositioning, and transitional holds at 7.99% to 12%. Close in 5 days. No appraisal, no income verification, no minimum FICO. $50,000 to $10,000,000.
Bridge Loan FeatureStructure & Terms
Use CasesHard money purchase, cash-out or rate/term refinance, commercial stabilization bridge, owner-occupied consumer bridge (purchase before sell), reverse 1031 exchange, transitional hold, and 2nd Trust Deed financing on business purpose loans
Loan Amount$50,000 to $10,000,000
Interest Rate7.99% to 12% | 1% to 4% origination | Interest-only | No prepayment penalty
Max LTV / LTCUp to 70% LTV | Up to 75% LTC | Terms 3 to 60 months depending on loan type
Speed to CloseAs fast as 5 days | No appraisal required in most cases | No income verification | No minimum FICO
Property TypesSFR, multifamily, apartment, office, retail, hotel, storage, assisted living, mixed-use, warehouse, industrial, medical, church - residential and commercial throughout California
Don't lose the deal waiting on financing. Apply now and get pre-approved today.
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Borrower Qualifications (Are you qualified?)

TaliMar Financial has no minimum FICO requirement and no income verification on investment loans. Qualification is asset-based only. No appraisal required in most cases. Poor credit accepted. Experienced investors may qualify for up to 70% of completion value including 100% of renovation costs.
Qualification ParameterLender Requirements
Minimum Credit ScoreNo minimum FICO required. TaliMar Financial accepts poor credit and focuses on property value and deal merit rather than personal credit history.
Income VerificationNo income or cash flow verification required. Qualification is asset-based only. No W-2s, no tax returns, no personal DTI analysis.
AppraisalNo appraisal required in most cases. TaliMar uses in-house valuation processes to expedite closings to as fast as 5 days.
Property Types AcceptedSFR, multifamily, apartment, office, retail, hotel, storage, mixed-use, warehouse, industrial, medical, church. Residential and commercial accepted. Owner-occupied consumer bridge also available.
Borrower ExperienceAll experience levels accepted. Experienced investors may unlock up to 70% of completion value including 100% of renovation costs. Pricing and structure vary by experience, property type, scope, and finished value.
Entity RequirementBusiness purpose loans closed under a business entity. TaliMar does not offer loans for land or non-business-purpose owner-occupied homes (standard investor product). Owner-occupied consumer bridge is a separate licensed product.

Underwriting Process (How long will it take to get approved?)

TaliMar Financial closes in as fast as 5 business days. No appraisal required in most cases. No income verification. No minimum FICO. Simple application process with a dedicated borrower portal for loan management, draw requests, extensions, payoff demands, and proof of funds letters.
Stage / RequirementProcess & Timelines
ApplicationSubmit loan request online at talimarfinancial.com. Simple application process. No application fee. New account setup form and Borrower Portal available for managing all loan activity.
Credit & IncomeNo minimum FICO. No income or cash flow verification. Poor credit accepted. Qualification is based on property value, deal structure, and scope of work.
Property ValuationNo appraisal required in most cases. TaliMar uses in-house valuation processes. Borrower experience, property type, and finished value all factor into loan structure.
Speed to CloseAs fast as 5 business days. TaliMar has been guiding California investors through fast, competitive closings since 2008.
Proof of FundsProof of Funds Letters available upon request at talimarfinancial.com/proof-of-funds-letter-request. Helps investors make competitive offers before loan commitment.

Draw Process (How long will it take to get draws?)

TaliMar Financial uses a draw-based funding process for fix-and-flip and new construction loans. Construction draws are requested through TaliMar's online portal. The team funds up to 100% of renovation costs through the draw schedule for experienced investors. A dedicated construction draw request form is available at talimarfinancial.com.
Operational StepMethodology & Timelines
Renovation FundingUp to 100% of renovation costs funded via draw schedule for experienced investors, up to 70% of completion value (ARV). Draw structure and amounts determined during underwriting based on scope of work.
Construction DrawsNew construction draw requests submitted via TaliMar's online Construction Draw Request Form at talimarfinancial.com. Tailored draw schedules keep projects funded phase by phase.
Borrower ToolsDedicated Borrower Portal at database.talimarfinancial.com for managing loans, draw requests, extensions, payoff demands, and proof of funds letters - all accessible online.
Close SpeedCloses in as fast as 5 business days. No appraisal required in most cases. No income verification. Simple application process.
FlipperForce IntegrationTrack construction phases and draw milestones using the FlipperForce Project Scheduler. Align contractor payment schedules with TaliMar's draw release process to maintain project momentum throughout the California rehab.