Los Angeles Hard Money Lenders

Hard Money & Bridge Loan Lender in Los Angeles

RTI Bridge Loans has been serving the greater Los Angeles with Hard Money Loans since 2004. We work fast to turn loans around quickly compared to traditional bank loans. We understand that your time is critical when you want to borrow and invest in the competitive market of Los Angeles. RTI focuses on short-term Bridge Loans (Hard Money Loans) secured by First and Second Trust Deeds on California real estate. Los Angeles has a booming economy with tons of amazing real estate investment options in neighborhoods such as Echo Park, Venice, and West Lake. And, the most expensive rental property average in LA is in Westwood – rental units averaging roughly $4,944 per month. This sprawling metropolis includes everything from small rentals to large mansions and beach rentals that spread miles around the city. Investing has never been a better idea than it is now! Over the years, RTI has been able to process hundreds of millions of dollars for clients, and many of our clients return continuously for their real estate financing needs.

30 Years Of Experience
30 Years Of Experience

Partner with one of the most reliable and professional direct hard money lenders in California with over 30 years of hard money lending experience.

Fast Approvals And Funding
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
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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Bridge Loans Los Angeles by RTI Bridge Loans

RTI Bridge Loans is a direct Hard Money Lender serving Los Angeles, California. RTI has extensive real estate knowledge and has a stellar reputation for being responsive, efficient and providing “certainty of execution” for our clients and borrowers for over 30 years now. We provide many types of Hard Money Loans to property owners and real estate investors who are in need of flexible and fast funding options. Clients continuously choose RTI over competitors because of our excellent customer service, our competitive rates and fees, and our all-around knowledge of Los Angeles real estate.

Contact RTI Bridge Loans today at (310) 532-5008 to discuss the best bridge loan solution and plan of action for your lending needs.

Hard Money Lenders Los Angeles RTI Bridge Loans

Are you a real estate investor or property owner in need of fast hard money? RTI specializes in hard money lending in Los Angeles, California. Hard Money Loans are fast money loans secured by real property, and it’s an easy way to borrow without using slow traditional bank lenders. RTI specializes in quick solutions for financing a real estate purchase, whether you don’t qualify for a traditional bank loan or you’re simply looking for quick hard cash. Serving the greater Los Angeles, RTI Bridge Loans is here for all of your financing needs.

Fix And Flip Loans Los Angeles

The market in Los Angeles is absolutely huge for fix and flip projects. Fix and Flip Loans are a type of Hard Money Loan that investors utilize in order to buy a property, renovate it, then sell it for a handsome profit. The Hard Money Loan is short-term. Call RTI Bridge Loans in Los Angeles to learn more about how you can start your own fix and flip project with the help of a Fix and Flip Hard Money Loan.

Private Money Loans Los Angeles

RTI Bridge Loans is a direct Private Money Lender in Los Angeles, CA. We finance Private Money Loans for property owners and real estate investors in the surrounding areas of greater Los Angeles. RTI also provides Commercial Private Money Loans for a wide array of commercial property types in Los Angeles. With over 30 years of experience, RTI Bridge Loans has your back when you’re ready to begin investing in Los Angeles real estate.

What Exactly Is A Hard Money Loan?

Hard Money Loans are a way to borrow money fast without using traditional mortgage lenders. The loans come from investors or companies who lend money based on your collateral (the property you will be using). Hard Money Loans are a very quick solution for financing a real estate property when you don’t qualify for traditional bank loans, or you don’t want to spend the time waiting for one. These are short-term loans (generally lasting around one year), and you won’t have to jump through hundreds of hoops to get one.

Advantages of Hard Money Loans

There are so many reasons why serious real estate investors opt for Hard Money Loans to finance projects or property rather than using traditional bank loans. Usually, Hard Money Loans don’t require credit checks because lenders are more concerned with the property you are using as collateral. Check out the top benefits of using Hard Money Loans below.

Flexibility

Though every Hard Money Lender has their own terms and conditions in order to loan money for real estate projects, most lists aren’t very restrictive. Compared to conventional loans, Hard Money Loans are relatively easy to attain. For this reason alone, Hard Money Loans are much more flexible, and they allow investors to even change goals midstream if they need to.

The Speed

Compared to traditional loans from major financial institutions, Hard Money Loans are acquired much quicker – we’re talking two weeks max for most cases. Since credit checks are rarely required, the process moves much faster than it would at a bank. The Hard Money Lender basically decides whether you are presenting a good or bad deal, and will lend you the money based on that decision.

Leverage

For investors, leverage is everything, and Hard Money Loans provide tons of leverage for investors. In fact, most investors enter projects without even putting their own money at risk while remaining liquidity.

The benefits of using Hard Money Loans are outstanding, and RTI Bridge Loans is there to help you figure out which option is best for you and how to take the next step in your Los Angeles real estate endeavor.

Limitations of Hard Money Loans

There are a few limitations of Hard Money Loans that people find unattractive, simply due to the fact that they can be kind of risky. Check out the top reasons why people are nervous about using Hard Money Loans below.

  • They are typically seen as a “last resort.” If you don’t qualify for a traditional loan, usually Hard Money Loans are the way to go. Depending on your situation, Hard Money Loans are typically seen as a last resort. Experienced real estate investors know that you have to act fast when purchasing a property, and Hard Money Loans produce money much quicker than traditional loans.
  • You’ll have higher interest rates. Hard Money Loans have interest rates that are usually in the double digits because the money is given much quicker than traditional loans, and they are short-term only.
  • Lenders can take advantage of the loan terms. If you happen to default in payments, the lender may sell your property collateral to get their funds back. If you are unable to make your payments as agreed, the terms of the loan will not restrain the lender from selling your property.
  • Credit scores don’t matter – collateral does. Creditworthiness tends to not matter much because lenders are more interested in the collateral (the real estate property itself) because it is being used as a guarantee that you will pay the Hard Money Loan back.
  • It’s all-around risky for both you and the lender. Let’s not sugarcoat this – if you aren’t 100% sure you can pay the loan back, it’s best not to opt for a Hard Money Loan. Both you and the lender take a risk when signing the papers, so have an amazing plan of action to repay.

Contact RTI Bridge Loans in Los Angeles, CA, at (310) 532-5008 for any questions or concerns you may have regarding the limitations of Hard Money Loans.

Types of Hard Money Loans

In order to know exactly what you’re looking for when you opt for a Hard Money Loan, it’s good to understand the different types of loans. Here, we will look at the most popular types of Hard Money Loans and what they can potentially do for you.

Hard Money Loans

Hard Money Loans are secured by real property, meaning that the borrower’s property is used as collateral. The lender knows that if repayment doesn’t happen, they can sell the collateral property and get their money back. Hard Money Loans are short-term (roughly one year on average), and they are much faster than traditional bank loans.

Bridge Loans

Bridge loans are meant for people who are trying to sell a property as well as buy a new one. It is quite literally a “bridge” in time between a property that hasn’t sold yet and a property that needs to be purchased immediately. When the property is sold, the loan is paid back in full.

Fix And Flip Loans

Hard Money Loans are very popular for investors who do fix and flip projects. Fix and flip loans are used by an investor who plans on purchasing a property, renovating it, then reselling it for a profit. The loan is repaid completely when the property is sold. This is a very popular Hard Money Loan option in the hot Los Angeles real estate market.

Working with A Hard Money Lender Los Angeles – Finance Your Next Project With RTI Bridge Loans

Are you looking to buy an investment property to rent out in Los Angeles? Consider RTI Bridge Loans for your financing needs. RTI Bridge Loans is a Hard Money Lender in Los Angeles, CA, financing real estate investments for the past 15 years. Los Angeles has one of the most substantial economies in the nation, and as the second most populated city in the U.S., it is an attractive lending area for RTI Bridge Loans. Many people look for a Hard Money Lender in Los Angeles to finance their transactions.

Private Money Lenders focus more on a property’s equity rather than a borrower’s credit score, and the funding process can take as little as a few days. Over the past ten years, the cost of living in Los Angeles has increased, making homeownership very difficult. This has led to the majority of people renting, so rental properties are a great Hard Money Loan investment. Contact RTI Bridge Loans serving the greater Los Angeles area today to learn more about how working with Hard Money Lenders will be great for your business and life.

Final Thoughts – What You Need To Know About Los Angeles

California’s largest city is diverse and vibrant – a very attractive lending area for Hard Money Lenders. With a highly substantial economy, Los Angeles is booming in the rental industry. In fact, the majority of Californians rent rather than own, which makes purchasing a rental property an incredible investment right now. The best neighborhoods in Los Angeles for real estate investment include Echo Park, Venice, and West Lake. Other diverse and populated beach communities that make for great investment projects are Venice Beach, Santa Monica, and Long Beach.

Though the economy seems to change every few months, you are sure to see the population of Los Angeles continues to grow, and you should believe that growing in this city will be best for you and your business!

Contact RTI Bridge Loans in Los Angeles today and begin working on your new project immediately!

Hard Money Lenders Near Me: Los Angeles, CA

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