Skip to main content
Apply nowApply now
Direct private lending in most states
Call us anytime at 512-617-9400
Program 05
Transactional Funding in Inland Empire
Transactional funding that carries a Riverside County double close.
For wholesalers and assignment deals, we fund the A-to-B leg so you can close the B-to-C. Short-term transactional capital that bridges the gap and keeps your deal on schedule. Riverside County's newer subdivisions carry Mello-Roos charges that surface late in a buyer's own diligence, and speed protects your closing date. 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 Inland Empire, answered.
Do I need a real estate license to wholesale in Riverside County?
California has no wholesaling-specific statute, so the license question turns on ordinary broker law. Business and Professions Code section 10131 requires a Department of Real Estate broker license for anyone who acts "for another or others" for compensation in selling real estate or negotiating loans secured by real property. The industry position, held by practitioner sources rather than any DRE guidance document, is that assigning your OWN equitable interest in a purchase contract is acting for yourself and stays unlicensed, while marketing the underlying property rather than your contract crosses into brokerage. No state guidance confirms that line, so keep your contract and marketing language conservative and talk to a California real estate attorney before you run volume. Be wary of any source citing "AB 1850" for wholesaling; that citation was never verified and should not be relied on.
Does a Riverside County double close carry a Mello-Roos disclosure duty?
Yes, whenever the property sits in a Mello-Roos district. California Civil Code section 1102.6b requires a seller of residential property subject to a Mello-Roos or 1915 Act lien to make a good faith effort to obtain the Notice of Special Tax from each levying agency and deliver it to the buyer, and that notice states what the tax funds, its current amount, and how much it can increase. Riverside County's newer subdivisions in Menifee, Eastvale, Beaumont, and Lake Elsinore carry heavy Mello-Roos encumbrance, which is exactly where assignment flow tends to pick up once a buyer discovers the special tax late in their own diligence. On the B leg of your double close, get that Notice of Special Tax into the file before you hand the deal forward.
Who handles closing on a Riverside County double close, an attorney or an escrow company?
An escrow or title company, not an attorney. California is an escrow state and does not require an attorney at closing; licensed escrow companies and title companies run the process. In Southern California, which includes Riverside County, a separate independent escrow company typically sits alongside the title insurer, and who pays the owner's title premium is a matter of local custom and is negotiable rather than fixed by law. No Riverside County specific closing norm was verified beyond that statewide framework, so confirm the specific practice with your closing team before you contract around it.
If I take title on the A-to-B leg, do I owe a contractor disclosure when I resell?
Yes, if you accept an offer within 18 months of taking title and any contractor did work on the property. California Civil Code section 1102.6h, added by AB 968, requires a seller of a 1-4 unit property to disclose room additions, structural modifications, and other alterations or repairs made by contractors, plus contractor names and contact information, when an offer is accepted within 18 months of the seller taking title. A same-day double close where you never touch the property will not trigger it, but the moment you order even light repair work between the A and B legs, the clock runs from your own purchase date. Track your closing dates and keep contractor records from day one.
Do I owe California income tax on my assignment fee or double-close profit?
Yes, and California taxes it as ordinary income at some of the country's highest rates. California runs nine income tax brackets topping out at 12.3%, plus a 1% mental health services tax on taxable income over $1,000,000, for a 13.3% top marginal rate, the highest state income tax in the country. California has no preferential capital gains rate, so an assignment fee or double-close spread on a Riverside County deal is taxed the same way as wages. If you run deals through an LLC, California's $800 annual LLC tax and its gross-receipts fee, which keys off sale prices rather than profit, both apply on top. Talk to a California CPA before you set up your entity structure.
How fast can transactional funding close on a Riverside County double close?
Typically same-day, with flat-fee pricing and no appraisal or credit check, since the loan is repaid from the simultaneous resale. We fund up to 100% of the A-to-B purchase price so your own cash never sits in the deal. That speed matters most in Riverside County's newer subdivisions, where a buyer who discovers a Mello-Roos special tax late in their own diligence can walk from a B-to-C contract on short notice, and a fast A-to-B close keeps your assignment flow moving instead of stalling on financing. Bring us the closing docs and we handle the rest.
Do I need cash of my own to close the A-to-B leg in Riverside County?
Not for the purchase itself. We fund up to 100% of the A-to-B purchase price, so on a $400,000 Riverside County contract that is the full $400,000 from us (400,000 x 100% = 400,000). What you bring is closing costs and our flat fee, not a down payment. Underwriting is no credit check and no appraisal, because the loan is repaid out of the simultaneous close. Subject to underwriting.
If my Riverside County buyer closes the same day, does the price change?
No, transactional funding is priced as a flat fee, not as accrued interest. The money is out for days, not weeks, and the fee does not move with the hour the B-to-C leg records. That is what makes it workable on a Riverside County double close, where a buyer who finds a Mello-Roos special tax late in their own diligence can push a closing date around on short notice. 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 Inland Empire
Other programs in Inland Empire
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.
Funding Inland Empire deals fast.
Get real terms, usually same day. No obligation, no hard credit pull to start.