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National City sits just south of downtown San Diego. That proximity makes it a target for investors hunting value in a tight market.
Fix-and-flip activity runs strong here. Hard money is the fuel — fast funding, asset-based approval, no income docs needed.
9% – 13%+
Typical Rate Range
Up to 70% ARV
Max LTV
6 – 18 months
Loan Term
None in most cases
Income Docs Required
Flexible / 580+
Min Credit Score
Hard Money Loans in National City
Hard money lenders care about the property first. Your credit score matters less than the deal's numbers.
Most lenders want 60-70% loan-to-value after repairs. Bring a solid exit strategy — sale or refinance — and you'll have options.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in National City.
National City sits just south of downtown San Diego. That proximity makes it a target for investors hunting value in a tight market.
Fix-and-flip activity runs strong here. Hard money is the fuel — fast funding, asset-based approval, no income docs needed.
Hard money lenders care about the property first. Your credit score matters less than the deal's numbers.
Hard money isn't offered at your local bank. These are private lenders and funds — each with different rates, terms, and draw schedules.
We work with 200+ wholesale lenders, including private capital sources that specialize in San Diego County investor deals.
The deals that fall apart aren't underfunded — they're mis-structured. Wrong term length or a weak draw schedule kills projects.
Get your scope of work dialed in before you apply. Lenders in this space fund against a budget. Vague numbers get you vague commitments.
DSCR loans are cheaper but slower. If you need to close in 10 days, hard money wins every time.
Bridge loans cover the gap between purchase and permanent financing. Hard money often serves the same role — the difference is in the lender type and cost.
National City has older housing stock. That means more rehab opportunity — and more unknowns behind the walls.
San Diego County values give hard money lenders confidence here. Strong after-repair values support higher loan amounts. Rates vary by borrower profile and market conditions.
Most deals close in 7-14 days. The property condition and lender's appraisal turnaround drive the timeline.
Many lenders will work with scores below 620. The property's value and your down payment carry more weight.
Yes — that's the primary use case. Funds are split between purchase and a rehab draw schedule.
Most run 6 to 18 months. They're short-term by design — you sell or refinance before the term ends.
DSCR loans are for stabilized rentals. Hard money is for active projects — purchase, rehab, then exit.
No income verification in most cases. This is asset-based lending — the property is the collateral.