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Program 05
Transactional Funding in San Diego
Transactional funding for wholesalers closing deals across San Diego.
For wholesalers and assignment deals, we fund the A-to-B leg so you can close the B-to-C the same day. Short-term transactional capital that bridges the gap and keeps your deal on schedule. San Diego is a majority-renter city with a Navy and Marine Corps PCS cycle that keeps rental turnover, and assignable contracts, moving. 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 San Diego, answered.
Do I need a broker's license to wholesale a contract in San Diego?
California has no wholesaling statute, so the license line runs through the broker definition itself. Business and Professions Code section 10131 licenses anyone who acts "for another or others" for compensation in negotiating a sale or a loan secured by real property. Industry practice treats assigning your OWN equitable interest in a purchase contract as acting for yourself, not for another, while marketing the property itself crosses into brokerage, but no DRE guidance document confirms that line, and it has not been tested in a way we can cite. Talk to a California real estate attorney about your specific contract and assignment language before you rely on it.
Does AB 968's flip-disclosure law reach a San Diego double close?
It can, if you take title on the A-to-B leg. Civil Code section 1102.6h requires a seller of a one-to-four unit property who accepts an offer within 18 months of taking title to disclose any room additions, structural modifications, or repairs performed by contractors, including contractor names and contacts. A true assignment of your purchase contract, where you never take title, sits outside that duty. A double close where you take title on the A-to-B leg and then sell B-to-C inside 18 months does not. Know which structure your deal actually is before you close.
What transfer tax applies to each leg of a San Diego double close?
Both legs pay California's statewide documentary transfer tax, and San Diego does not add its own layer on top. The state base is $1.10 per $1,000 of consideration, and unlike Los Angeles or San Francisco, the City of San Diego imposes no charter-city add-on, so a $1,000,000 A-to-B leg carries about $1,100 in transfer tax and the B-to-C leg carries its own $1.10 per $1,000 on its own price. That add-on has not been confirmed against the San Diego Municipal Code, so have escrow confirm the current City schedule before you rely on the number. A county-level transfer tax increase has been under study by the Board of Supervisors, but no rate, threshold, or effective date has been adopted, so do not underwrite around one.
Who runs escrow on a San Diego double close, and who pays for title?
An escrow company runs it, not an attorney, and Southern California custom usually puts the seller on the hook for the owner's title premium. California is an escrow state: no attorney is required at closing, and in Southern California a separate independent escrow company typically sits alongside the title insurer rather than the title company running escrow itself, as is more common in the north. Seller-pays for the owner's title policy is customary in Southern California, though it is negotiable on any given contract. No San Diego-specific double-close or title-practice norm beyond that general Southern California custom has been sourced, so confirm the split with your escrow and title company before you contract.
Where does San Diego's assignable-contract flow actually come from?
A majority-renter core city and a large, constantly rotating military tenant base. The City of San Diego is 52.7% renter-occupied, more than any owner-occupied share in the county, which keeps small-landlord turnover steady. Layer on the Navy and Marine Corps PCS cycle: under the Servicemembers Civil Relief Act, a tenant with permanent-change-of-station or deployment orders of 90 days or more can terminate a lease on written notice, no early-termination charge. That statutory turnover, concentrated around Naval Base San Diego, Naval Base Coronado, and the Pendleton corridor, is what keeps distressed and motivated-seller contracts moving through wholesalers here.
What if my B-to-C buyer falls through on a San Diego double close?
You can pivot into a rehab loan instead of losing the deal. If your end buyer walks or their financing falls apart, our fix and flip loan funds up to 90% of the purchase price and up to 100% of the rehab budget, capped to ARV, so you can renovate and resell instead of carrying the property. That is a separate underwriting decision from transactional funding, and either way your closing runs through a licensed escrow and title company, not an attorney's trust account as it would in an attorney-closing state. Talk to us before your closing date so we can have terms ready if you need the fallback.
Do you pull credit or order an appraisal for transactional funding in San Diego?
Neither. There is no credit check and no appraisal on this program. We are funding the A-to-B leg for hours or days against a signed B-to-C contract, so the end buyer's performance is what the file turns on, not your score and not a valuation. That is why a San Diego double close can be scheduled around your escrow's calendar rather than around an appraiser's. What we do need is a real end buyer and a closing date. Subject to underwriting.
How much of a San Diego double close do I have to fund myself?
Usually none of the purchase price. We fund up to 100% of the purchase on the A-to-B leg, with pricing set as a flat fee rather than an interest rate. You still bring your own closing costs, and both legs carry California's documentary transfer tax at $1.10 per $1,000 of consideration, so a $1,000,000 A-to-B leg costs about $1,100 in transfer tax before your escrow and title charges. Subject to underwriting.
How long is your money out on a San Diego transactional funding deal?
Days, not weeks. The A-to-B and B-to-C legs are meant to close simultaneously, or close enough that the capital is out and back inside the same short window. In practice that runs through a licensed escrow company here, since California is an escrow state and no attorney is required at closing. Have your end buyer's funds confirmed before the date is set. If the B-to-C leg falls apart, talk to us about a fix and flip loan rather than losing the contract. 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 San Diego
Other programs in San Diego
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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