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Program 05
Transactional Funding in Central Valley
Transactional funding for Fresno wholesalers closing back-to-back deals.
For wholesalers and assignment deals, we fund the A-to-B leg so you can close the B-to-C the same day, with no appraisal or credit check since the loan repays from the simultaneous resale. Fresno County's flat $1.10-per-$1,000 documentary transfer tax applies to both legs of a double close, with no city add-on anywhere in the county. Business-purpose only, and every structure is set in underwriting.
Same-day
funding
100%
of purchase
Days
not weeks
No credit
check
Typical figures, subject to underwriting and market conditions. Not a commitment to lend.
How it works
Funding is typically same-day with flat-fee pricing and no appraisal or credit check, since the loan is repaid from the simultaneous resale. Bring us the closing docs and we handle the rest.
Who it's for
Wholesalers
Assignment and double closes
Back-to-back closings
Time-sensitive resales
Typical terms
UseFunds the A-to-B leg
LeverageUp to 100% of purchase
TermDays, not weeks
PricingFlat fee
UnderwritingNo credit / appraisal
CloseSimultaneous
*Typical terms, subject to underwriting and market conditions.
Local FAQ
Transactional Funding in Central Valley, answered.
Do I need a real estate broker license to wholesale a Fresno property?
California has no wholesaling-specific statute, so the question turns on the broker-license definition itself. Business and Professions Code section 10131 requires a Department of Real Estate license for anyone who, for compensation, acts for another in selling real estate or negotiating a loan. The industry position, that assigning your own equitable interest in a purchase contract is acting for yourself and so falls outside that license line, while marketing the property itself crosses into brokerage, appears only in practitioner and industry sources. No Department of Real Estate guidance document confirming that line was found. Talk to a California real estate attorney about your specific contract and assignment language before you rely on it.
Does a Fresno County double close pay the transfer tax twice?
Yes, both legs pay it, but the rate is flat and low everywhere in the county. Fresno County's documentary transfer tax runs $1.10 per $1,000 of consideration, and no city in the county, including the charter cities of Fresno and Kingsburg, stacks an add-on the way Los Angeles does with its city tax and Measure ULA. Each leg of your double close, A-to-B and B-to-C, is its own conveyance and pays its own $1.10 per $1,000 on its own price. Who customarily pays it on a Fresno County closing was not verified in the research behind this page, so confirm that allocation with your escrow officer before you write the contract.
Who actually closes a double close in Fresno, an attorney or an escrow company?
Neither closing leg needs an attorney. California is an escrow state, and licensed escrow and title companies handle closings without a lawyer at the table. Whether a title insurer or an independent escrow company runs your specific Fresno County closing, and who customarily pays the owner's title premium, were not verified for this county specifically, so confirm both with your title and escrow company before you set your closing date.
How fast could a foreclosure around Fresno actually produce assignable inventory?
Treat about four months as the statutory floor, not the typical timeline. California's trustee sale process requires at least three months to elapse from the notice of default before a notice of sale can go out, and that notice must run at least 20 days before the sale itself, so the statutory minimum from default to sale is roughly 111 to 120 days. No sourced figure exists for how long a Fresno-area trustee sale actually takes in practice, so do not price a wholesale pipeline on a specific real-world timeline; verify the status of any specific sale with a title company before you contract around it.
What should I tell my Fresno end buyer if they plan to rent the property after my assignment closes?
A Fresno rental purchase carries a duty your end buyer needs to plan for before they close. The City of Fresno requires every residential rental to register in its Residential Rental Registry, under regulations effective 2025-03-01, and runs a sampling-based inspection program with a $100-per-unit fee where a property is selected: 100% of single units, 50% of 2-to-4-unit properties, 10% of larger properties. Rent increases on the hold are capped by the statewide Tenant Protection Act, not a local rent control ordinance. Flag the registration and inspection line before the B-to-C closing so it does not surprise your buyer in year one, and point them to our DSCR rental loan if they want to finance the hold on the property's rent instead of their tax returns.
Is there enough deal flow around Fresno to make transactional funding worth setting up?
Fresno County is a metro of more than a million people with a resale market that is balanced, not distressed, which is exactly the kind of steady flow a wholesale contract pipeline needs. County population ran 1,035,456 in 2025, and the metro's July 2026 resale data showed a median list price of $479,500, 55 median days on market, and about 35.6% of active listings carrying a price cut. That combination, a large population base working through price-adjusted listings rather than distressed forced sales, is where assignable contracts come from here. No Fresno-specific double-close volume figure exists to size the opportunity further.
Do I need my own cash to fund the A-to-B leg on a Fresno double close?
No. We fund up to 100% of the purchase price on the A-to-B leg. The loan repays out of your B-to-C closing the same day, which is why it is priced as a flat fee rather than a rate over months. What you do need to budget for is the Fresno County documentary transfer tax, which both legs pay at $1.10 per $1,000 of consideration, with no city add-on anywhere in the county. Who customarily pays it on a Fresno County closing was not verified in the research behind this page, so confirm that allocation with your escrow officer. Subject to underwriting.
Will my credit score stop a Fresno double close?
No. There is no credit check on transactional funding, and no appraisal either. The loan lives for hours rather than years and repays from the simultaneous resale, so the underwriting is the contracts, not you. What we need is a real B-to-C buyer, clean paper on both legs, and an escrow officer in Fresno County who has closed a double close before. Subject to underwriting.
What does transactional funding cost on a Fresno deal?
A flat fee, not an interest rate. The money is out for the day it takes to close A-to-B and B-to-C, so pricing is a fee on the amount funded rather than a rate over a term. Put it in your spread next to the Fresno County transfer tax, which each leg pays on its own price at $1.10 per $1,000 of consideration, and confirm with your escrow officer which side of each leg customarily carries that tax, since the norm was not sourced for Fresno County. The fee itself is set on the file, so ask for it on the specific deal. Subject to underwriting.
More Transactional Funding questions, answered on the program page
Resources
Guides for Transactional Funding
Fix and Flip · 6 min read
Fix and Flip Loan Requirements: What You Need to Get Funded
Read the guide Transactional · 4 min read
What Is Transactional Funding? (Double Closings for Wholesalers)
Read the guide Fix and Flip · 5 min read
Can You Fund a Fix and Flip With No Money Down?
Read the guide Getting Funded · 4 min read
How Fast Can a Hard Money Loan Close?
Read the guide Compare
Transactional Funding vs. other options
More in Central Valley
Other programs in Central Valley
Fix and FlipUp to 90% / 100% rehabRental / DSCR30-yr fixed, DSCR from 0.75Ground-Up ConstructionUp to 70% LTV, most statesCRE BridgeUp to $10M, 24-36 moBank Statement / No-DocNo tax returns requiredConventional InvestmentNon-owner-occupied investmentPortfolio LoansMultiple properties, one loanCRE PermanentLong-term agency & permSBA Financing7(a) & 504 placement
About the local figures on this page
Local rules move. Every tax rate, fee, ordinance and market figure here comes from a primary source and carries the date we read it, and we correct them as the rules change. Where a number is mid-change or we could not verify it, we say so rather than guess. Before you commit a budget, confirm anything that drives it with the city or county, and talk to your attorney or CPA on questions of law or tax.
Published by USA Mortgage Funding, LLC, NMLS #152588. Researched from primary sources by our team, drafted with AI assistance, and every figure checked against its source before publishing. Where an answer rests on a public record, that record is linked under it. Figures read on 2026-08-15.
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