San Diego Hard Money Loans
- A direct and private lender
- Funding that ranges from $100K-$5M
- Quick Approvals. Fast Funding
What is a San Diego Hard Money Loan?
- No minimum credit score needed
- Past bankruptcy or foreclosure is acceptable
- No need for income verification or employment history
- Foreign nationals, LLCs, corporations and individuals all are eligible
Terms
Up to 70% LTV with loan amounts ranging from $100,000 to $5,000,000.
Speed
Direct access to private capital enables efficient underwriting and accelerated closings.
Requirements
Loan approval focuses primarily on property equity and strength rather than income or credit profile.
Benefits
No hidden or “junk” fees and no penalties for prepayment.
San Diego Loan Programs
Hard Money Loans
Secure short-term, asset-backed hard money loans in San Diego structured for speed and flexibility.
Bridge Loans
Use San Diego bridge loans to leverage existing equity and smoothly transition between property transactions.
Private Money Loans
Work with experienced private money lenders in San Diego to obtain private money loans secured by real estate.
Real Estate Loans
Real Estate loans in San Diego can be used to acquire, renovate, or refinance commercial assets or residential investment properties.
DSCR Loans
San Diego DSCR loans allow rental investors to qualify based on property income instead of personal earnings.
Owner-Occupied Loans
Get cash out of your home to start a business, buy an investment property or for your existing business.
What California Borrowers Say About Us
How It Works
It takes minutes to complete our online application to get prequalified for a loan.
After underwriting your loan, we will provide you a written Loan Commitment providing loan terms for approval.
In a matter of days, not weeks like most lenders, the loan is funded through escrow and funds wired to you directly.
You make monthly payments via mail, phone or direct deposit. It’s that easy.
Why Source Capital Is One of the Best Hard Money Lenders in San Diego
Diverse Financing Solutions
We provide flexible financing solutions throughout California, including hard money lenders in San Diego and surrounding communities.
Competitive Rates
Our San Diego real estate loans, including financing for commercial loans, typically feature rates that range between 8.99% and 11.99%, depending on the asset type and the leverage.
Proven Success
Our Accredited Business rating remains A+, reflecting our commitment to ethical lending standards and dependable funding.
Strong Brand Recognition
We’re a trusted private money lender in San Diego, and our business has received profiles in publications such as MSN, Business Insider, and Realtor.
Deal directly with the lender
San Diego Loan Rates
|
Interest Rates |
8.99% – 11.99% (1st Position)
11.99% – 13.99% (2nd Position) |
|
Loan Amounts |
$100,000 – $5,000,000 |
|
Loan Duration |
12-24 months |
|
Closing Timeframe |
10 business days or less |
|
LTV ratios |
Up to 70% LTV (1st Position)
Up to 60% LTV (2nd Position) |
|
Prepayment Penalty |
None |
|
Appraisal Fee |
None |
|
Credit Score |
No minimum |
|
Property Types |
Non-owner-occupied (multifamily, industrial, office, retail, and mixed-use) |
|
Origination Fee details |
Starting from 2.0% of loan amount (varies by size & term length) |
Cities We Serve in California
- Anaheim
- Bakersfield
- Fresno
- Long Beach
- Los Angeles
- Modesto
- Oakland
- Orange County
- Palm Springs
- Redding
- Richmond
- Riverside
- Sacramento
- San Diego
- San Francisco
- San Jose
- Santa Ana
- Santa Barbara
- Santa Rosa
- Stockton
As Featured In
Testimonials
“Smooth and fast transaction as the loan was funded in 8 days. They are a pleasure to work with – Strongly Recommended.”
Borna Eftekari
- Agent, Farmers Insurance
“They are always so patient, helpful, and professional. and have helped me so much! This can be such a stressful process, but they make it all so easy.”
Lauren Marcus
- Client
“I have always had a highly professional and honest experience with everyone on their team and would recommend to anyone looking for financing.”
Andrew Bellah
- Owner, The Bellah Group
“Highly recommend Source Capital Funding if you need money fast and you value efficiency. I will go back to them again if I need funding in the future.”
Kendall Heath
- Client
“They were very responsive and extremely helpful and would certainly use them again. I highly recommend their services.”
Alvin Fuchs
- Agent, Keller Williams Realty
“In all my years, I can confidently say they are the most professional, prompt, courteous, and efficient private lender I have ever worked with!”
Greg Shields
- Owner, GSI Appraisals
“Source Capital has been an absolute pleasure to work with throughout. These guys are on top of their game.”
Tyler Hanson
- Associate Broker, Cushman & Wakefield
“The team at Source are consummate professionals who work efficiently and effectively. Simply stated- truly exemplary and professional people”
Paul Elam
- Owner, San Diego’s Real Estate
“The team at Source Capital Funding was fantastic. Their professionalism, speed and solid loan terms is why I will be coming back to close more business with them.”
Sergio Abbud
- Senior Loan Officer, Better Rate Mortgage
“Recently completed another flawless transaction with Source Capital. Why would anyone want to go anywhere else? They’re the best.”
Marianne Bordogna
- Agent, Keller Williams Realty
Recently Funded Transactions
Hard Money Loan Resources for San Diego Borrowers
- Blog, Bridge Loans
Bridge loans are short-term financing solutions that help borrowers cover funding gaps while they wait
- Blog, Hard Money Loans
A hard money loan can be a valuable financing solution, but are hard money loans
- Blog
California’s real estate market moves fast. Whether you’re purchasing an investment property, funding a renovation,
- Blog
Hard money loans are designed to provide fast, asset-based financing for two main reasons: for
Get prequalified today
Frequently Asked Questions about San Diego Hard Money Loans
What are the current hard money loan rates in San Diego?
Rates for hard money loans in San Diego generally begin around 8.99% and may reach approximately 13.99%, depending on the property and loan structure.
How do San Diego hard money lenders qualify borrowers?
Hard money lenders in San Diego primarily evaluate the property securing the loan. Equity and exit strategies typically carry more weight than income, employment, or credit score.
How fast can I get funded in San Diego?
What types of properties qualify for a San Diego hard money loan?
Who are the best hard money lenders in San Diego?
Source Capital is recognized as one of the leading hard money lenders throughout San Diego due to our direct funding model, rapid approvals, and equity-focused underwriting approach. Contact us today to confirm eligibility and secure financing quickly!
