Downey CA Hard Money Lenders

Name: RTI Bridge Loans
Telephone: (562) 857-2285

Last Updated on March 13, 2025

Your Trusted Bridge Loan Lender

LENDING PROGRAM

Loan Term	1 Year
Loan Amount	$150,000-$25,000,000
Amortization	Interest only
Loan to Value	Up to 80%
Interest Rate	Starting at 8.75%
Prepayment Penalty	None
Closing Time	7 to 15 Days
Acquisitions	Increase Capital Stack Repositioning
Refinancing	Cashout Purposes Rehabs

Hard Money Lenders in Downey, CA

Getting hard money loans in Downey, CA, and surrounding communities couldn’t be more convenient with RTI Bridge Loans. Over three decades, RTI Bridge Loans has been offering every possible financing solution to investors and property owners in Los Angeles. Resultantly, we have garnered a trusted reputation as a professional Downey hard money lender committed to offering investors hassle-free financing they so much need to get their property projects completed.

Whether you are a beginning or savvy property investor looking to learn about the Denver real estate market and the available hard money loans for your next project, RTI Bridges is here to ensure you have the right professionals by your side.

For reliable Downey hard money loans and real estate investment guidance, please get in touch with us today at (562) 857-2285.

40 Years Of Experience

Partner with one of the most reliable and professional direct hard money lenders in California with over 40 years of hard money lending experience.

Fast Approvals And Funding

Quick approvals and direct funding when time is off the essence and need capital on critical opportunities in this fast-moving real estate market.

Leverage Your Money

Maximize Leverage with our financing up to 70-80% LTV of the residential, commercial or mixed project at competitive hard money loan rates.

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We Fund California Real Estate Projects

RTI Bridge Loans, one of the most experienced direct hard money lenders in California serving Los Angeles and Orange County. We fund hard money loans to Real Estate Developers and Investors, regardless of the size or a challenge of the project, ranging from Bridge Loans, fix and flips to Private money Loans and commercial acquisitions. We provide quick approval and funding with competitive rates and reliable service through asset-based lending for various real estate projects and transactions.

Hard Money Loans Real Estate California

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Hard Money Lender Page Contents:

Downey Hard Money Loans
Downey Private Money Loans
Downey Fix and Flip Loans
So, What Precisely Are Hard Money Loans?
Top Benefits of Hard Money Loans
Downey, CA Trends & Forecast 2025-2026
Why Downey, CA Is a Top Investment in 2025
Neighborhoods Downey, CA
The Cons of Hard Money Loans
Types of Hard Money Loans in Downey, CA

Downey Hard Money Loans

In Downey, CA, RTI Bridge Loans gives a range of Hard money loan options- from fix and flip loans, bridge loans, private money loans to commercial real estate loans. These loans are short-term, fast-funded, and secured with the property in question.

If you do not qualify for a typical bank or financial institution loan or are struggling to get some cold hard cash in Downey, do not stress yourself out – RTI Bridge Loans has got you covered.

As a reputed Downey hard money loan provider, our company is experienced and committed to helping you turn your Downey real estate investment vision into a reality. Contact us today at (562) 857-2285 for a personalized conversation about the best hard money loan offering for your next real estate project in Downey, CA.

Downey Private Money Loans

At RTI Bridge Loans, we pride ourselves in offering premium private money loans in Downey and neighboring communities in Los Angeles, CA. You enjoy premium lending experiences backed with a fast application process and quick approval, so you flawlessly finance your residential or commercial properties in Downey, CA.

A report released by the LA County Assessor’s office revealed that Downey’s real estate market value grew to a record $1.6 trillion in 2019, trending up by 6.5% from 2018. We expect the market to grow further as it recovers from the bites of the COVID-19 pandemic. Consider also Downey real estate is currently a seller’s market, presenting an incredible opportunity to investors looking to diversify their real estate portfolios.

At RTI Bridges, we do not want financial hurdles to limit your investments. Contact us today for private money loans that will get your next project’s wheels rolling.

Downey Fix & Flip Loans

Are you a Downey investor looking to purchase discounted properties, rehabilitate them and finally sell them for a profit, but unfortunately, you have no cash of your own to invest? If so, consider applying for a fix and flip loan. The real estate serves as the collateral.

In property flipping, you need cash to buy and renovate a property and the means to cover property taxes, homeowner’s insurance, and utilities from the day you close the deal until the day you sell the property. That is why you must work with a Downey hard money lender committed to seeing your flipping investments sail through.

With over 40 years of experience financing fix and flip projects in California, RTI Bridges is here to help you buy and renovate a property with zero financial constraints. Call us today at (562) 857-2285 for a quick fix and flip loan in Downey, CA.

So, What Precisely Are Hard Money Loans?

Hard money loans become an excellent alternative to conventional loans if you are having difficulties getting a traditional loan, have an imperfect financial history, or cannot wait the long period it takes to receive a bank loan. They are a quick way to access property investment financing without the hurdles of typical mortgage lenders.

Downey hard money lenders or companies like ourselves RTI Bridge Loans are typically uninterested in your financial health. Instead, they lend based on the value of the collateral. Defaulting on the loan gives the lender the leeway to sell the collateral to recover their money.

Because hard money loans are short-term, they attract higher interest rates than typical loans. Still, they are available in various options, depending on the specific real estate project or the borrower’s financial circumstance. For example, fix & flip loans are unique to property flipping.

Consider also hard money loans save investors the endless steps associated with traditional bank loans.

To get more information about Downey hard money loans and discover the best option for your next real estate project in the city, kindly contact RTI Bridge Loans today.

Top Benefits of Hard Money Loans

Below are the top reasons why Downey investors choose hard money loans over typical bank loans:

They Are Fast

Qualifying for a traditional bank loan demands you have a superior credit score and compelling loan purpose. It would be best if you still practiced more patience than Biblical Job because it typically takes over seven weeks to receive a bank loan. The case is different with Downey hard money loans. At RTI Bridge Loans, we help you finance a new property as soonest as possible by processing your funds within 4-14 days.

They Are Flexible

Unlike hard money loans, bank loans are rigid and come with stringent guidelines. But let’s first agree that each Hard Money Lending Company has its own rules and regulations, but generally, borrowers take less time and fewer steps to receive the loan.

Because Downey hard money lenders based their decision on the collateral, a perfect financial history should the least of your worries when dealing with the companies.

Help Finance Projects Often Rejected by Banks

Banks and other conventional financial institutions are adamant about financing projects. Hard money lending companies would like fiancé readily, for instance, fix and flip loans. What’s more, banks do not fancy short-term loans.

Do you have any queries regarding hard money loans in Downey, CA? RTI Bridge Loans has all the answers you need. Give us a call at (310)-532-5008.

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Downey Hard Money Lenders: Trends & Forecast 2025-2026

The hard money lending landscape in Downey, California, is poised for notable developments in 2025-2026. Several key factors are expected to shape this sector, influencing both lenders and investors.

The demand for hard money loans in Downey is anticipated to rise, driven by a competitive real estate market and stricter traditional lending criteria. Investors seeking swift and flexible financing solutions are likely to turn to hard money lenders to capitalize on emerging opportunities. Interest rates are projected to remain relatively stable, with the Mortgage Bankers Association forecasting rates between 5.9% and 6.2% by the end of 2025.

This stability may enhance the appeal of hard money loans as viable financing alternatives. Technological advancements are streamlining lending processes, making hard money loans more accessible and efficient. Additionally, niche markets such as short-term rentals and fix-and-flip projects are emerging as profitable avenues for hard money lenders.

Economic uncertainties, including potential inflationary pressures, pose challenges for the lending industry. Lenders must exercise caution and implement robust risk management strategies to mitigate potential defaults.

In conclusion, the hard money lending market in Downey is set for growth, driven by technological advancements and evolving investment opportunities. Stakeholders should remain vigilant of economic indicators and embrace innovations to navigate the market effectively.

Market Trends & Statistics for Downey, CA | March 2025

Median Sale Price (All Home Types)	$825,000 (+0.6%)
# of Homes Sold (All Home Types)	27
Median Days on Market (All Home Types)	51 (+34.21%)
Median Rent	$2,601 (+6.1%)
Median listing home price per sq. ft	$589 (+6.7%)

Why Downey Real Estate Is a Top Investment in 2025

Downey, California, stands out as a prime real estate investment location in 2025 due to several compelling factors. Its strategic position within the Los Angeles metropolitan area enhances its appeal, offering convenient access to major employment hubs and urban amenities.

The city’s diverse housing options cater to various investor preferences, from single-family homes to multi-unit properties. Recent legislative changes in California’s zoning laws have unlocked new avenues for real estate investors, allowing for more flexible property uses and development opportunities.

Furthermore, Downey’s ongoing community development initiatives and robust local economy contribute to a stable and appreciating real estate market, making it an attractive prospect for investors seeking long-term growth.

Top Neighborhoods for Real Estate Investment in Downey, CA

When considering the best neighborhoods to invest in Downey, each area offers unique advantages, from high-end communities to centrally located rental hotspots. Below, we’ll explore some of the top neighborhoods that provide excellent opportunities for real estate investors.

1. The Island
2. Downey Estates
3. Downey City Center
4. Pico Vista
5. Appleby
6. Gallatin
7. North Downey
8. La Vista
9. South Downey

Best Neighborhoods to Invest in Downey

The Cons of Hard Money Loans

Require High Down Payment and Equity

Whereas a hard money lender may overlook adverse events in your credit history, they demand higher down payments or equity on a property. Often, hard money loans require a 25%-35% down payment.

High-Interest Rates

For hard money loans, interest rates tend to be much higher than typical mortgage rates. As of 2021, interest rates for hard money loans in the US average 11.25% and range between 7.5% and 15%.

Short-Term and the Last Resort

There are a few reasons why hard money loans are a last resort for most individuals. Besides carrying high risks for both lenders and investors, hard money loans typically last for 12 months. Extending the term can potentially lower the loan’s value in case the interest rates fluctuate substantially.

Types of Hard Money Loans in Downey, CA

Hard Money Loans

A hard money loan is any short-term funding secured by real estate. They often last about 12 months and attract higher interest rates. Borrowers pay interest monthly and the principal amount in a lump sum at the end of the loan term.

Bridge Loans

Bridge loans help individuals wishing to purchase a new home before their existing home sells.

The typical scenario is where you borrow the difference between your current mortgage balance and up to eighty percent of your home’s value. You apply the second loan to the down payment for your second home but pay off all your first mortgage when you sell your first home.

Fix and Flip Loans

Typically, house flipping follows similar steps: an investor buys a discounted property at auction, renovates the property to bolster its value, and then flips it for a higher profit.

Fix and flip loans help investors buy property, finance rehabilitation, and cover other expenses related to the property (think homeowner’s insurance and utilities).

Most lenders do not demand monthly interest payments but require borrowers to pay the accrued amounts upon flipping the properties.

Partner with a Professional Hard Money Lender in Downey, CA

RTI Bridge Loans has over three decades of experience providing hard money loans to property investors in the Los Angeles metropolitan area. Our ultimate goal is to help investors grow their property portfolios seamlessly by offering them reliable and quick funding.

It is also our joy to help these investors tap into hot markets, enabling them to generate the profits they need to sustain and grow their investments. Feel free to reach out to us with any questions about Hard money financing and the Downey housing market.

2021 Downey, CA Real Estate Market Trends

Single-family homes account for 58.6% of Downey’s housing units. Apartment complexes, townhomes, and small apartment buildings follow at 31.3%, 4.6%, and 4.5%, respectively.

Downey homes for sale cost between $70k and $12.5 million. As of March 2021, Downey’s median home list price was $700k, which is a 1.7% increase from last year. The median sold price stood at $712k, giving a sale-to-list ratio of 101.7%. Investors or homebuyers can expect to spend about $429 on each square foot.

The average rent in Downey, CA, is $1,540. Apartments for rent range from affordable to premium, offering renters plenty of options. On average, a studio apartment in Downey, CA, will set you back $1,218 per month compared to $1,540 for a 1-bedroom apartment. The average rent for two-bedroom and three-bedroom apartments average $1,989 and $2,281.

Currently, there is high demand for housing in Downey. This makes 2021 the absolute best time for investors to dip their toes into Downey real estate market.

Let not financial hurdles limit your property investment goals. Call RTI Bridge Loans today at (562) 857-2285 for reliable hard money loans in Downey, CA.