Private Money Loans

Solutions for Unique Real Estate Financing Situations

Unique real estate financing situations can involve people from other countries or US residents. These situations are about getting a loan without having any credit or tax records. Our lending is based on equity.

Traditionally, it is hard to imagine that somebody can get a reasonable, good loan without having any documentation in this country. However, we are all about loan-to-value and common sense. Certainly, we like to have a little background on who we are lending to. Above all, our lending is based on equity.

Common Sense Lending - Hard money is not hard

Hard money is not hard, mainly because it's a loan that's easy to get and the rates aren't as expensive as people often think they will be. Depending on the situation, we can get rates from 4.875% to 9%. 

What we mean by common sense is we are simply looking at who we are lending to, and we are much less focused on credit and income. Credit histories can have issues and there can be good reasons why the credit is bad. Most of our clients are self-employed, and it is harder for them to show income. That is one of the main reasons people can't get traditional loans.

Borrowers may also come from another country and are therefore lacking the ability to show income history. We look at the overall picture of who we are lending to and what type of property we are financing. Loan-to-value is the key to all our loans.

Speed is of the Essence and So is Thinking Out-Of-The Box

Everybody can get caught in a situation where traditional loans are hard to get. That is why borrowers come to private, or hard money lending. We are usually the last resort and often borrowers don't have much time. 

The beauty is that these borrowers can get financing when common sense is applied. If there's plenty of equity, it's merely about getting the documentation to close the loan. Nothing more than that. That's why we can close loans in as little as three days.

We want to be your San Diego hard money lender.  Questions?  Check out our frequently asked questions or FAQs.