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Program 05
Transactional Funding in Sacramento
Transactional funding that carries a Sacramento 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. A Sacramento double close pays California's documentary transfer tax on both the A-to-B and B-to-C legs, and a pre-February 1995 duplex inside city limits carries a rent-ordinance exposure that the same-vintage property just across the line in the ring does not. 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 Sacramento, answered.
Do I need a real estate license to wholesale in Sacramento?
California has no wholesaling-specific statute, so the license question runs through the general broker-license definition instead. Business and Professions Code section 10131 requires a DRE license for anyone acting "for another or others" in selling real estate or negotiating a purchase. The industry position, that assigning your own equitable interest in a contract is acting for yourself and so does not require a license, while marketing the property itself crosses into brokerage, shows up consistently in practitioner sources, but no DRE guidance document confirming that line was located. No dollar penalty figure for unlicensed brokerage is confirmed either. Talk to a California real estate attorney about your specific contract and marketing language before you assign a Sacramento deal.
Can I close the A-to-B and B-to-C legs the same day in Sacramento?
No Sacramento-specific double-close or title-practice norm has been confirmed, so we won't describe one. What is confirmed statewide: California is an escrow state, with licensed escrow and title companies handling closings rather than a closing attorney. Sacramento sits in Northern California, where title insurance companies typically run the escrow themselves, unlike the separate independent escrow company that often sits alongside the title insurer in Southern California. Ask your escrow officer directly whether they can run a same-day double close on your specific file, since who pays the owner's title premium and how a back-to-back closing gets scheduled is set at the company level, not by a documented statewide or Sacramento norm.
Does closing twice in one day double my transfer tax on a Sacramento double close?
Yes, each leg is its own change of ownership, so each leg owes its own documentary transfer tax. California's statewide base, Revenue and Taxation Code section 11911, runs $0.55 per $500 of consideration, $1.10 per $1,000, split between the county and a general-law city. No Sacramento-specific city add-on rate on top of that base was located in this research, unlike the stacked city rates some charter cities such as Los Angeles and San Francisco impose. Verify the current combined rate with your Sacramento County escrow officer before you price a double close, since a city add-on rate can change and was not independently confirmed for this file.
Does a Sacramento property's build date change how I should price an assignment?
It can, because the city's rent ordinance draws its line at a fixed date rather than a rolling one. Sacramento City Code chapter 5.156 exempts units built after February 1, 1995 and covers most residential property built before it inside city limits, while the surrounding ring cities in this metro generally run on state law alone. A pre-1995 duplex assignment inside Sacramento carries the city's registration and noticing requirements on top of state rent law; a same-vintage property just across the city line in the unregulated ring generally does not. That compliance gap is a real reason contract flow moves across the jurisdiction boundary, so know which side of the city line your assignment sits on before you price it to an end buyer.
What state-level exit disclosure applies if my B-to-C buyer resells the property as a flip?
California requires a specific contractor-work disclosure on a fast resale, and it is worth knowing even though it falls on your buyer, not you. Civil Code section 1102.6h requires a seller of a 1-4 unit property who accepts an offer within 18 months of taking title to disclose all contractor-performed room additions, structural modifications, alterations, and repairs, including contractor names and contact information, for offers accepted on or after July 1, 2024. If your B-to-C buyer is picking up a Sacramento property to renovate and flip again quickly, that clock is already running from the date they take title on your deal, not from when they bought it from you. Flag it so their transaction does not stall at their own resale.
What if my Sacramento double close falls apart and I end up holding the property?
Sacramento's market gives you a fallback that does not require you to eat the carry. You can pivot to a rehab loan instead of losing the deal. If your B-to-C buyer walks or their financing falls through, our fix and flip loan funds up to 90% of purchase and 100% of rehab so you can renovate and resell instead of holding an assignment gone sideways. That is a separate underwriting decision from transactional funding, and either way your closing still runs through a licensed California escrow, not an attorney trust account. Talk to us before your closing date, not after, so we can have terms ready if you need the fallback.
Do I need a down payment for a Sacramento double close?
No. Transactional funding covers up to 100% of the purchase on the A-to-B leg. The capital funds your buy and comes back out of the B-to-C closing the same day, and pricing is a flat fee rather than a rate. What you do need cash for is the closing costs on both legs, and in Sacramento that includes documentary transfer tax on each leg separately, since each is its own change of ownership. Confirm the current combined rate with your escrow officer. Subject to underwriting.
How long does my money stay out on a Sacramento transactional deal?
Days, not weeks. This program is built for a simultaneous close, where the A-to-B leg funds and the B-to-C leg pays it off on the same schedule, so the term is measured in days and priced as a flat fee. Because California is an escrow state and Northern California title companies typically run the escrow themselves, the practical constraint is your escrow officer's willingness to run a back-to-back close on your file, not our funding. Ask them before you set the closing date. 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 Sacramento
Other programs in Sacramento
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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