Hard Money Lender in
Direct hard money loans for San Diego real estate investors: bridge loans that close like cash, fix and flip loans that fund the renovation, ground-up construction, and 30-year DSCR rental loans. Instant term sheet, close in 2 weeks, or 3 days with 35% down.
San Diego County runs from the beach cities to El Cajon and Escondido, and its investor market is defined by scarce inventory and a housing stock that is older than it looks.
San Diego: tight inventory, older stock, fast closings.
The San Diego listings that ask for cash are usually mid-century houses in the older neighborhoods, City Heights, North Park, La Mesa, Spring Valley, El Cajon, and the properties east and south of the 805 where a renovation adds real value. Sellers in this market get several offers, and the one that can close in days without an appraisal tends to win. That is our 3-day option: 35% down, the property valued from recent sales, the close before the financed offers have cleared inspection.
Renovators use the fix and flip loan, which funds the purchase and the budget together and pays the work in draws at 10% down with a completed project behind them. Investors who hold use the DSCR loan, and San Diego rents are strong enough that small multifamily usually carries the ratio; a single-family rental near the coast is tighter. Both loans come from the same team, so the takeout is already in motion when the bridge closes.
Cash and hard money listings in San Diego right now.
Listings whose remarks ask for cash or hard money, each priced with our financing at its list price. Browse San Diego, Chula Vista, El Cajon, Oceanside, Escondido, Vista, or every California opportunity. Sign in to see the street addresses and the pricing on each one.
No San Diego listings are in the book at this moment. New ones land every day; see the California deals.
We are the lender, not the listing agent. Every listing belongs to its agent, credited on the listing page. Browsing is not a commitment to borrow from us.
Every stage of a San Diego deal.
Buy like cash or refinance maturing debt on San Diego investment property. 12 months, interest only. Bridge loans.
Purchase plus renovation in one loan, 10% down with experience, drawn as the work completes. Fix and flip loans.
Land and the build for builders with completed projects. Construction loans.
Term loans on the buildings a rental program will not take. Commercial lending in California.
Starting rates, points, down payment and score requirements, program by program. See the rates.
From a San Diego address to the wire.
- Price it. Type the San Diego deal into Price a Deal: address, price, renovation budget, your score and experience. The program, the rate and the maximum loan come back in a minute.
- Request the term sheet. It issues instantly, from our own sizing.
- Send the file. Contract, entity documents, insurance, budget or rent roll. The appraisal is ordered the same day.
- Close in 2 weeks. Or 3 days on the no-appraisal option with 35% down, in the major California markets.
Hard money in San Diego, answered straight.
How fast can a hard money loan close in San Diego?
Every San Diego deal gets an instant term sheet and closes in 2 weeks. In San Diego a purchase can also close in 3 days with 35% down and no appraisal. Decisions are made in-house, so title, escrow and the appraisal set the pace, not a committee.
What does a hard money loan cost in San Diego?
Fix and flip and bridge loans start at 9.25% interest only with 1.5 points, and the 3-day option is 10.5% fixed with 1.5 points. The rates and requirements page lists every program; Price a Deal quotes your own San Diego deal in a minute. Every figure is an indicative estimate, not a commitment to lend.
Do you lend on fix and flips in San Diego?
Yes. Our fix and flip loan funds the purchase and the renovation together: 10% down with at least one completed project in three years, 20% on a first flip, the renovation paid in draws as the work completes.
Do you offer DSCR rental loans in San Diego?
Yes. DSCR loans in California are 30-year fixed rental loans qualified on the rent, for a single property or a portfolio. San Diego rents are strong; small multifamily generally covers, coastal single-family less easily.
Which San Diego areas do you lend in?
The city of San Diego from North Park and City Heights to Clairemont and San Ysidro; La Mesa, El Cajon, Spring Valley and the east county; Chula Vista and National City; Oceanside, Vista, Escondido and North County. We lend on investment and commercial property anywhere in California; see the California page.
Working a San Diego Deal?
Price it in a minute. If the numbers work, the term sheet is instant and the close is 2 weeks out.