Los Angeles Hard Money and Investor Loans
Whether Measure ULA touches your sale depends on which city line you're inside.
USA Mortgage funds investors across Los Angeles County. Your tax basis resets the day escrow closes. This county rewards basis and bridge deals, not yield chasing. Business-purpose loans only, every structure set in underwriting.
You hear the decision from the people who underwrote your deal.
The city line decides more than the address
Measure ULA, the Rent Stabilization Ordinance, and the Home-Sharing Ordinance all stop at the City of Los Angeles boundary. The same asset in Long Beach, Torrance, or unincorporated county carries none of them, so a portfolio straddling that line has two different sets of rules and two different exit economics.
Your basis resets, the seller's never did
Los Angeles County resets the assessed value to the purchase price the month after closing, so a long-held seller's low tax bill says nothing about the carry you will owe. Pull the parcel's Tax Rate Area and budget for a supplemental bill before you underwrite.
A basis market, not a yield market
Gross yields run in the low single digits across most of the county, so an at-market DSCR purchase rarely pencils without a value-add or an ADU. Lancaster and Palmdale in the Antelope Valley are the exception, where yields clear into the 6% range.
Loan programs in Los Angeles
Acquisition through exit, all funded or arranged by one lender.
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