I’m in CA also and paid cap gains on huge profits to the tune of 28%, which included CA state cap gains.

I had two different companies.. one in Oakland CA circa 88 to 92 all investors all private and all 100% of funds for loans put up from the investors. 

In California I've bought mostly older homes but I recognize theere's some risk to that.

I'm Mike from Oceanside, Ca, and have been passionate about real estate investing for 10+ years. 

Good morning, Taylor,We are a direct lender and not a broker here in San Diego, CA.

specifically AZ, NV TX, UT, WA and CA

(We're from California as well) Everything has been extremely smooth so far and their staff has been excellent with their customer service. 

typically no special license is needed when doing it for hard money loans that I am aware of. there may be states like california and nevada that are tricky where lenders need a license of some sort but for most part brokers i have seen are not licensed. 14 or 15 states require state license and NMLS registration.

If the client is in CA the community property state laws may help here (not entirely sure) depending on when the property was acquired but it would be a great question for an attorney as Jason mentioned.If they were married and went through a divorce it would be worth looking into how the divorce paperwork stated how that property would be handled.

This has been our primary business for well-over thirty (30) years, but in California ONLY.Few posters here are attorneys, let alone licensed to practice law in Hawaii.