Below is the general overview of the loan:

  • Single Family Property
  • Loan Type: Purchase 
  • Purchase Price: $475,000
  • Loan Amount: $380,000
  • Loan to Value: 80%
  • Rate: 8.45%
  • Vested Title: Entity
  • Experience: 10+ Past Transactions

Optimus Capital has recently closed fix and flip loans and one of them on is one in Penryn CA for a borrower. The real estate investor was looking for a non owner occupied private money loan that would offer purchase and rehab / renovation funds. We were able to issue a loan as one of the top hard money lenders California, which provided 80% of the purchase price. 

Optimus Capital who provides fix and flip loans is backed by institutional level investors which allow us to reduce the cost of our residential property  loans compared to other private lenders. We pass the savings on to you with lower interest rates and fees in order to maximize the benefits that we offer to you. In building a strong relationship with us, our hopes are that you come back to us for financing your complete rental portfolios and allow us to save you money on all of your current and future investment


The subject property is a 3 bedroom 2 bath single family home located in Penryn CA. It has over 1716 square feet.The single family house is located on 2.50 acres. The house is close to the Del Oro school district. The real estate investor has plans to remodel the property. There will also be a new roof installed. Foundation work completed, windows will be replaced. The trim and baseboard will be replaced. The real estate investor will fix the plumbing, and electrical will be updated.

This single family property is located in an excellent neighborhood in Penryn, CA This neighborhood has mostly mid-sized homes that are reasonably priced. This well established community that attracts home buyers from around Penryn, CA. Families relocate from Sacramento to Penryn to get away from the hustle and bustle of the big city. Penryn is a friendly community with great schools. What many do not know about Penryn is that there are nationally-recognized parks and recreation programs. 

Living in California

California is among the largest states in the nation, both in terms of land size and population, so there is a huge range of great places to live.  It is a popular destination for people who want to leave cold weather behind, as well as for those seeking employment in the tech, healthcare, and entertainment industries.  However, California is also one of the most expensive places to move to in America.  California has an endless array of places to live, each with its own style and cost of living. Some of the best destinations include Los Angeles, San Francisco, San Diego, Sacramento and the Bay Area. California became known as the Golden State for a few golden reasons. First, it was home to the California Gold Rush that began in 1848 when a lucky duck found a bit of gold. Since everyone wanted in on the action, 300,000 people moved to the area. Another reason for the nickname is because every spring California is covered with beautiful golden poppies, the state flower.  The median home value is approximately $539,400 which has risen to 6.1% over the past year. There is a large amount of new construction underway pretty much everywhere along the state’s western coast, from San Francisco down to San Diego.  The mid-line of the state, from Sacramento down to San Bernardino, also has a lot of development in process.   Our office and headquarters of Optimus Capital is located in the beautiful state of California. With many years of experience, the Optimus Capital team has organized operations around business practices, integrity, efficiency, and practical approaches to real estate lending. We pride ourselves by being able to provide financing to a wide variety of real estate investors by creatively tailoring loan programs around the needs of our borrowers.

Fix and Flip Loans California

Optimus Capital offers fix and flip loans in California as a strategy used by borrowers to purchase property, renovate it and then sell it for profit. Optimus Capital allows them to save money by providing them with lower interest rates and reduced fees. Due to our institutional level of investing and customer-centric investor mindset, Optimus Capital private loans allow for flexibility, lower rates and higher rate of return. We feel that by saving you money in fiances charges, provides you more capital to invest.  Our Founders, being real estates investors themselves, understand that when an opportunity presents itself, obtaining quick capital is key. Optimus Capital Loans empowers you by providing excellent terms, often lower than what’s offered by many lenders. As a full service direct hard money lender, Optimus Capital can streamline all your Single Family Loans to assist you in building your real estate portfolio.  During Covid-19 we here at Optimus Capital are here to assist during this time. Our team is working diligently daily providing funding quickly for our investors during these difficult times.

We are here to assist you during this time. We are still closing on loans during COVID-19. Our team is working diligently daily to assist our borrowers. We look forward to closing your deals quickly and efficiently during this time.