Last Updated on 28 April, 2025
Irvine Hard Money Lenders
Hard Money and Bridge Loans in Irvine, CA
If you’re interested in investing in the Irvine California area but don’t have the cash to spare, Hard Money Financing is the answer. RTI Bridge Loans is making it easy for real estate investors and property owners to invest in Irvine neighborhoods and the surrounding area. We have more than 40 years of experience in this business; we know a good value when we see one. Irvine, California, is the area to buy into now.
RTI Bridge Loans is a professional hard money lending service and focused on the Irvine California area. Do you have a fix and flip house you need financial help with? Give us a call at RTI Bridge Loans. We make the process of loaning hard-earned money easy and fast. Don’t let a great real estate opportunity pass you by because you can’t get a loan from a traditional bank. Give us a call at (562) 857-2285 and let us talk about the property you’re looking at, and we’ll discuss the different loan options we have to offer. There is one that will fit your needs and make both of us money.
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.
Here’s What Our Borrowers Are Saying
Bridge Loans for California Real Estate
Reviews
In 2023, I got a hard money loan with RTI. A gentleman named Tom claimed they did all the funding in-house. This loan dragged on for months and was funded by 10+ individuals. It took weeks for everyone's wires to get sent in. Tom stated several times that all of RTI loans are funded quickly, as it's all in-house. Not the case. Then they had me include two properties I own as collateral for a $ 650,000 loan. Just one property had 1.5 million in equity! Tom claimed to have driven by both properties and knows real estate after 20+ years in the business, and valued one property almost a full million under what I sold for 6 months after the loan. This guy is full of it.
Huge loan origin fees, non-replies, and lack of knowledge are just the beginning of the shit show dealing with RTI. I have had the loan paid off for over a year and a half, and after numerous attempts to contact RTI, I am still unable to get them to remove RTI from the deed and have my new grant deed issued.
Avoid RTI at all costs.
Huge loan origin fees, non-replies, and lack of knowledge are just the beginning of the shit show dealing with RTI. I have had the loan paid off for over a year and a half, and after numerous attempts to contact RTI, I am still unable to get them to remove RTI from the deed and have my new grant deed issued.
Avoid RTI at all costs.
I can’t recommend RTI Properties enough! I’ve had the pleasure of working with Tom, Tiara, and Genevieve on multiple occasions, and we’ve successfully closed several loans together. They are consistently professional, honest, and fair throughout every transaction. Their responsiveness and integrity make them a true standout in the industry. Looking forward to many more deals together!
Thank you RTI Bridge Loans for your great service.
I would definitely recommend to my friends.
I very appreciate it for all the help they provide me.
I would definitely recommend to my friends.
I very appreciate it for all the help they provide me.
I had a great experience with their whole team. We closed within 10 days no appraisal or inspections. They also allowed us to raise the loan amount last minute. I'm looking forward to working with them again soon.
I have worked with Tom, Tiara and team over the past 2 years, they have been prompt and timely on my loan funding's they are tops on my bridge loan list!
RTI is amazing lender for 2nd position loans. Fast and easy. Tiarra and Tom are extremely professional and great to work with.
Very professional, easy to talk to, and understandable of what the needs are and what needs to be done,
I’ve worked with Tiara, Tom, Robert, and Dan and rest of the team from RTI Properties on several deals, and they are great to work with. They are always on time, honest, and keep you updated throughout the process. They approve deals that make sense, which shows they care about making the right decisions. They’re also easy to communicate with and genuinely kind. I highly recommend RTI Properties for anyone looking for a reliable and trustworthy lender.
I've had the pleasure of working with Tiara, Tom & their team on several transactions. They are always helpful, responsive, and knowledgeable. Highly recommended!
Amazing people to work with. They are always there when you need them. I have great experiences with them and they haven’t let me down ever. Thanks so much RTI.
RTI played a crucial role in facilitating financing for a particularly challenging financial situation. After a number of lenders declined the opportunity due to the complexities involved, Tom and Tiara rose to the occasion, demonstrating exceptional skill, knowledge and commitment and effectively secured financing for a borrower facing financial difficulties.
RTI is the best private lender that I've worked with for the last 5 years hands down! Robert, Tom, Tiara and their team deliver fast results with fantastic customer service. I always look to them first before anyone else and would highly recommend them to any broker, realtor, or investor looking to place a private money loan 🙂 Thanks RTI!!
I have worked with Tom Gans and his team on several transactions a month for a few years now. He is thorough, direct, and will not string you along for any amount of time if a deal cannot be done. He will help if he can, and he will advise without delay otherwise. Great guy to know on a professional basis. Kind, quick and eager to assist. Definitely call him if you're thinking about a bridge loan. He is a longstanding professional - sure-footed and very knowledgable.
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 Lender Page Contents:
- Irvine, CA, Hard Money Lenders
- Market Trends & Statistics for Irvine, CA
- Real Estate Investment Analysis in Irvine
- Top Neighborhoods for Real Estate Investment in Irvine, CA
- Reasons to Invest in Irvine, CA Real Estate
- Irvine, CA, Private Money Loans
- Irvine, CA, Fix and Flip Loans
- What Exactly Are Hard Money Loans?
- Hard Money Loans Offers You Top Advantages
- The Disadvantages of Hard Money Loans
- The Different Types Of Hard Money Loans
- RTI Bridge Loans Is Ready to Fund Your California Real Estate Project!
- What You Need To Know About Irvine, CA
Irvine, CA, Hard Money Lenders
RTI Bridge Loans has Hard Money Loan for Irvine real estate developers and investors for every real estate project. Bridge Loans are our specialty, and we’re lending hard money for fix and flips, private money loans, and commercial real estate projects. Our Hard Money Loans are funded fast and secured by the real estate on short-term notes, letting you avoid the traditional bank hassles of borrowing money that takes forever.
Real estate financing is our business at RTI Bridge Loans, and it is our only business. Banks are in the business of lending money for what makes them the most money. We are offering to provide a way for your real estate financing dreams to become a reality. With our cold hard cash loans, you can circumvent those strict qualifications and bypass those restrictions that banks require. Call RTI Bridge Loans today at (562) 857-2285, and let’s discuss the various bridge loan solutions we have that will fit your needs today.
Contact RTI Bridge Loans today at (562) 857-2285 to discuss your Irvine hard money loan options for your lending needs.
Market Trends & Statistics for Irvine, CA | April, 2025
| Median Sale Price (All Home Types) | $1,544,500 (+1.7%) |
| # of Homes Sold (All Home Types) | 144 |
| Median Days on Market (All Home Types) | 36 days (+11 days) |
| Number of Homes For Sale | 683 (+2.5%) |
| Median listing home price per sq.ft | $875 (+3.0%) |
Real Estate Investment Analysis in Irvine
As of February 2025, Irvine’s real estate market continues to show stability and moderate growth. The median home price is now $1.5 million, reflecting a 2.0% increase compared to the previous year. While the market is still strong, homes are taking longer to sell, with the average days on market increasing to 36 days, up from 25 days last year.
In February 2025, 145 homes were sold, a slight decrease from the 156 homes sold in the same month last year. Despite this dip in sales volume, Irvine remains a desirable market for investors seeking long-term returns, thanks to its strong economic foundation and appeal to a diverse population.
Current Market Conditions in Irvine, CA
- Highly Competitive: Homes in Irvine receive an average of 7 offers and sell within 25 days.
- Rising Prices: The median sale price is $1.7M, a 22.2% increase from last year.
- Price Per Square Foot: $862, up 20.2% from last year.
Market Dynamics in Irvine,CA
- Multiple Offers Common: Many homes get multiple offers, sometimes with waived contingencies.
- Above List Price Sales: Average homes sell for about 2% above list price and go pending in 23 days. Hot homes can sell for about 6% above list price and go pending in 13 days.
Migration & Relocation Trends in Irvine, CA
- Staying Local: 79% of Irvine home buyers plan to stay within the metropolitan area.
- Moving Out: 21% are looking to move out of Irvine.
- Incoming Buyers: 5% of homebuyers from outside metros, with the most interest from San Francisco, New York, and Seattle.
- Popular Destinations: For those moving out, top choices are San Diego, Las Vegas, and Phoenix.
Top Neighborhoods for Real Estate Investment in Irvine, CA
El Camino Real
El Camino Real’s appeal lies in its convenience, featuring multiple shopping centers like Arbor Village, and recreational spaces such as Heritage Community Park and Walnut Trail. The variety of property types caters to different investment strategies and tenant preferences.
Irvine Spectrum
Situated in Irvine’s heart, this vibrant area is anchored by the Irvine Spectrum Center, an outdoor mall boasting attractions like a Ferris wheel and cinema. Proximity to the Great Park adds recreational value. The neighborhood’s blend of entertainment, dining, and diverse housing makes it attractive for both short-term rentals and long-term investments.
Northpark
Known for its verdant landscapes and well-kept parks, Northpark is ideal for nature-loving tenants or buyers. Hicks Canyon Park serves as a community focal point. The neighborhood offers a range of investment opportunities with its mix of single-family homes, townhouses, and condos in traditional and Mediterranean styles.
Northwood
This charming residential area combines suburban tranquility with urban conveniences. Northwood Community Park and the Jeffrey Open Space Trail cater to active lifestyles, while Northwood Town Center provides essential services.
Reasons to Invest in Irvine, CA Real Estate
- Strong Demographics: Irvine boasts a median household income of $105,126, 60% above the national median. With a population of over 304,408 and a median age of 34.2 years, the city offers a robust and diverse market for real estate investors.
- Thriving Job Market: Home to over 23,000 companies, including one-third of all Fortune 500 companies, Irvine employs over 280,000 people. This high employment rate drives consumer spending and contributes to the city’s strong economy.
- Educational Hub: Irvine hosts four major universities and numerous other college campuses, ensuring a steady influx of students and academics. This creates consistent demand for rentals and helps maintain low vacancy rates.
- Inflation Hedge: Irvine’s real estate market typically sees annual rental rate increases of about 3%, outpacing the average U.S. inflation rate of 2.25%. This helps protect investors’ capital against inflation.
- Favorable Exit Strategies: Due to the city’s overall attractiveness, Irvine properties often trade at competitive capitalization rates, providing investors with reliable exit strategies when needed.
- Planned Urban Community: As one of the nation’s largest planned urban communities, Irvine offers a well-designed mix of residential, commercial, and recreational spaces, enhancing its appeal to residents and investors alike.
These factors combine to make Irvine, CA an attractive and potentially lucrative market for real estate investment, offering opportunities for both short-term gains and long-term value appreciation.
Irvine, CA Private Money Loans
We are proud to service Orange County California, and with a focus in Irvine, RTI Bridge Loans offers the best deals for a Private Money Lender in this industry. Hard money loans are one of our specialties, and our private money loans are quick to close with short-terms so that you can purchase that piece of Irvine you want.
Los Angeles, California, is northwest of Irvine, but Irvine is quickly growing out from under its shadow and becoming a hot real estate area. Now is the time to buy in Irvine, California, and RTI Bridge Loans is ready to finance real estate developers and investors. We have private money loans for those up and coming Irvine neighborhoods and all around the Orange County area.
The housing is quickly becoming hard for the average family to afford Los Angeles, and Irvine is close enough, they’re relocating daily. With homes ranging in prices from the high $160k’s to just over $19m, the prestige of Los Angeles is still there with more affordable prices.
If you have a commercial property that you’re unable to finance through a bank, give us a call at RTI Bridge Loans. This area has almost 2.0 million people, and it is still growing. Now is the time to invest in this area, and we can help you be a part of this exciting growth! One call to RTI Bridge Loans, and you can be started on your ideal project soon!
Fix And Flip Loans In Irvine, CA
Irvine is a popular growing area, and real estate investors are buying Fix and Flip Loans fast and on track to make a profit. We offer a type of loan that is geared toward Fix and Flips that enables real estate investors to buy that prime property, renovate it, then sell it for a high profit. Once the property sells, you pay the loan off. Our short term loans are in the 12-month range, allowing you the time you need to renovate and resell, an easy task in Irvine, California today. With more than 40 years of Fix and Flip real estate loan experience, RTI Bridge Loans knows this business better than anyone. When you’re diving into this business, you need somebody like us backing you, not a traditional bank.
What Exactly Are Hard Money Loans?
Yes, Hard Money Lenders are a legitimate business. When you can’t get a bank loan the traditional way, or you can’t wait for months while they process your application, Hard Money Lenders are there to back your project. A blemish credit score isn’t an issue with a hard money lender, and with RTI Bridge Loans, the process is easy and fast with a generous loan length. As a Hard Money Lender, we are loaning you money based on the Irvine property you buy and use that for your collateral, not your credit rating.
RTI Bridge Loans is the hard money lender you need for bridge loans, fix and flip loans, private money loans, and commercial property loans. With our short-term, hard money loan, you have a year to buy your ideal property, renovate it, and sell it. Our interest rates are higher than the bank, but our requirements are easier – the property you buy is your collateral. No hoops and hurdles to jump through with us. Contact RTI Bridge Loans today to talk about our various loan types, and we’ll find the best option for your real estate plans.
Hard Money Loans Offers You Top Advantages
Hard Money Loans with RTI Bridge Loans offer plenty of benefits like fast funding and less requirements. With our short-term financing and more, you’ll be at the top of the Irvine, California, real estate game quick. Give us a call at (562) 857-2285, and you’ll find out why we are the better option for a real estate loan than your bank. There are three top reasons why Hard Money Loans are the option more people venturing into the Irvine real estate game choose:
» Quick:
Traditional bank loans require excellent credit, solid reasoning, and a lot of patience. The process with traditional banking can take two months before you see your funding. A Hard Money Loan, you’ll have your money usually within two weeks, and the requirements are easy to meet. With the traditional bank loan process, that impressive property you found can be gone before your loan funds. With RTI Bridge Loans, you’ll have that property in your name and working on it faster than you think.
» Flexible:
With a traditional bank loan, there isn’t any flexibility with strict guidelines. A Hard Money Loan is all about less restrictions and more flexibility. The regulations and rules that RTI Bridge loans have are easy to work with, making getting your real estate transaction completed sooner. Scars on your credit report aren’t a problem! Your Irvine real estate will be your collateral. We work with damaged credit and find Irvine, California, to be this decade’s real estate boom.
» We Lend Money for Real Estate Projects Banks Don’t:
Banks have specific criteria that have to be met; excellent credit is just one of them. Traditional bank loans are more likely to decline real estate loans for Irvine, California properties that a Hard Money Lender jumps on. Even Fix & Flip loans are the loans a Hard Money Lender is ready to take on, at a higher interest rate, but faster funding. Traditional banks have a lower interest rate but for more extensive notes that take more of your profit.
Call RTI Bridge Loans today at (562) 857-2285 for any questions you might have regarding the limitations of hard money loans.
The Disadvantages of Hard Money Loans
Despite all the positives, there are a few flaws with hard money loans that people tend to find unattractive. Between the naturally higher interest rates mixed with risky business deals, these are the top reasons why people opt out of going for a hard money loan.
» Required Equity And High Down Payments:
In order for hard money lenders to look past your history or a blemished credit score, they will require a higher down payment. A solid equity property is also a top requirement. Down payments for hard money loans are usually around 25-30%. Without this, your hard money lender is taking a huge risk.
» The High-Interest Rates:
High-interest rates make many investors turn away from a deal. Hard money loans are short-term, so of course, interest rates are higher than traditional bank loans. Interest rates usually sit somewhere between 9-15%. Due to a high hard money lender competition in California, many interest rates will be on the lower side.
The Different Types Of Hard Money Loans
As we mentioned before, there are quite a few types of hard money loans – all used for different purposes. For more info on hard money loans and lending options in Irvine, CA, call RTI Bridge Loans at (562) 857-2285.
» Irvine Hard Money Loans:
This is the general term that classifies all types of hard money lending options. Irvine Hard money Loans are short-term loans that are secured by real property and have higher interest rates. Monthly payments usually interest only. If repayment for the loan doesn’t happen by the end of the loan term, your hard money lender will sell your collateral property in order to make money back.
» Irvine Fix And Flip Loans:
For places like Irvine Fix and Flip Loans are very popular due to a higher population and a greater need for housing on the market. Fix and flip loans mean that an investor buys a property, renovates it, then sells it for a higher profit.
» Irvine Bridge Loans:
Irvine Bridge Loans are a type of hard money loan that bridges the gap for people who are trying to move into a new property but have yet to sell their old property. They are literally a bridge between an old and new property and enable people to move into a new place when their old property is still on the market. When the old property is sold, the bridge loan is paid off.
RTI Bridge Loans Is Ready to Fund Your California Real Estate Project!
If you’re going to take a hard money loan, work with one that has experience. RTI Bridge Loans as been loaning money for real estate projects in and around the Irvine, California, and Orange County area for over 40 years. We have the experience you need to work with direct hard money lenders. Lending hard money to Investors and Real Estate Developers is our specialty.
For different sizes and various project challenges, we fund hard money loans for Bridge Loans, fix and flips, commercial acquisitions, and Private Money Loans. We offer a quick approval process and competitive rates with reliable service that other hard money lenders can’t match, and traditional bank loans won’t. With our asset-based lending, we are able to provide the best interest rate for a variety of real estate projects and transactions.
What You Need To Know About Irvine, CA
Irvine, California is located in Orange County with San Diego Creek flowing on the northwest into Upper Newport Bay. It is a city that is home to several corporations, particularly in the semiconductor and technology sectors. The families that relocate here with employees of those companies find it to be a beautiful and a family-friendly area with plenty of museums and outdoor activities.
The University of California of Irvine, University of Southern California, and Concordia University located here; many students stay after graduation after enjoying the views. Loma Ridge and Tustin are to the north, Santa Anna to the northwest, and Laguna Woods to the southeast, Newport Beach to the southwest, and San Joaquin Hills are to the south. Many beautiful canyons, hills, and plateaus are to the north and south, and Bommer Canyon offers trails that wind through the ancient sycamore trees.