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San Diego is a competitive market for real estate investors. Properties move fast, and conventional financing rarely keeps pace.
Hard money loans are asset-based. The property's value drives approval — not your tax returns or W-2s.
6 – 24 Months
Typical Loan Term
25 – 35%
Typical Down Payment
600s+ accepted
Credit Flexibility
Asset Value
Approval Basis
7 – 14 Days
Est. Close Time
Hard Money Loans in San Diego
Most hard money lenders want 25-35% equity or down payment. Your credit score matters less than the deal itself.
Lenders will order an appraisal or BPO — broker price opinion — to confirm the asset's value. Strong deals close fast.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in San Diego.
San Diego is a competitive market for real estate investors. Properties move fast, and conventional financing rarely keeps pace.
Hard money loans are asset-based. The property's value drives approval — not your tax returns or W-2s.
Most hard money lenders want 25-35% equity or down payment. Your credit score matters less than the deal itself.
Hard money lenders are not banks. They are private capital sources — funds, family offices, and individual investors.
We work with 200+ wholesale lenders, including hard money sources active in San Diego County. That reach matters on tight timelines.
The biggest mistake investors make is calling one hard money lender direct. Terms vary wildly — rates, points, prepayment penalties.
Shopping across lenders on the same deal can save you a full point or more in origination fees. On a $600K loan, that's real money.
Bridge loans and hard money loans overlap — but bridge loans often have softer underwriting and slightly lower rates.
DSCR loans are better for buy-and-hold investors. Hard money fits short-term acquisition and rehab plays better.
San Diego's coastal and urban neighborhoods see high ARV — after-repair value. That supports larger hard money loan amounts.
Permitting timelines in San Diego County can run long. Factor that into your rehab schedule before committing to a 12-month term.
Many hard money loans close in 7-14 days. Speed depends on appraisal turnaround and how clean your deal docs are.
There is no hard floor. Most lenders will fund with scores in the 600s if the deal is strong.
Generally no. Hard money is structured for investment properties. Owner-occupied loans follow different federal rules.
Rates vary by borrower profile and market conditions. Expect a significant premium over conventional loan pricing.
Most lend based on LTV — loan-to-value — against the current or after-repair value of the property.
You can often request an extension, but it costs money. Build buffer into your timeline before you close.