Oxnard Hard Money and Investor Loans

Yes. We fund investors across Ventura County, including Oxnard, Ventura, Camarillo, Thousand Oaks, Simi Valley, Santa Paula, Fillmore, and Port Hueneme. We lend our own capital in most states. We are headquartered in Bee Cave, Texas, and every loan is business-purpose only, on investment property, and terms are subject to underwriting. Apply now.

Because the voters, not the planning department, hold that decision. Ventura County adopted the SOAR initiative in 1998 and renewed it in 2016 through 2050: land designated agricultural, open space, or rural on the county's general plan maps stays that way unless voters approve a change, with narrow exceptions for a project that already holds a vested right, an executed development agreement, or an approved vesting tentative map. Eight cities, including Oxnard, hold their own version with a City Urban Restriction Boundary. The ordinance does not reach state ADU or density-bonus law, so infill inside the existing boundary is where buildable dirt actually sits. See the ground-up construction program.

It changes the pro forma on covered units, and it is stricter than the state. Oxnard's Rent Stabilization Ordinance, effective 2022, allows one increase per 12-month period capped at a flat 4%, versus the state's 5% plus CPI formula. It covers residential rental property with a certificate of occupancy issued before 1995-02-01. Single-family homes and condos are exempt when the owner is not a corporation, REIT, or LLC with a corporate member, so an LLC-owned Oxnard rental house does not automatically fall outside the ordinance. Just cause eviction applies after only 30 days of tenancy, and no-fault termination requires relocation payment of two months' rent or $5,000, whichever is greater. No other city in the county has adopted general residential rent control. See the DSCR program.

More than most investors expect, and not in the direction they expect. The county's FY 2025-26 tax rate book puts Oxnard at the top of the range, with a median ad valorem rate of 1.1754% of assessed value and a ceiling of 1.2318%, against Thousand Oaks at the low end, a 1.0480% median over a 1.0410% floor. Heaviest city to lightest, that is a spread of about 19 basis points of assessed value every year. Direct assessments ride on top of that rate in many areas, including Mello-Roos districts, city landscape maintenance districts, and, in Oxnard specifically, several residential PACE assessments recorded as 1915 Bond Act liens, which are senior to a later-recorded deed of trust. Read the tax bill line by line before close on any Oxnard acquisition. Talk to your CPA about your own tax position.

No, and pages that claim otherwise are not looking at the county's own numbers. Ventura County's population fell from 828,983 to 824,306 between January 2025 and January 2026, a 0.56% decline, and every named city except Port Hueneme and Santa Paula lost residents over that period. Countywide non-farm job growth was 0.7% in 2024 and a preliminary 0.0% in 2025. The case for lending here rests on repositioning existing stock and the rent-to-price spread in the working coastal cities, not on population or job growth.