Last Updated on Feb 24, 2025
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.
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.
Hard Money Loans in Los Angeles, CA
LENDING SPECIFICATIONS
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:
- Fix And Flip Loans Los Angeles
- Private Money Loans Los Angeles
- What Exactly Is A Hard Money Loan?
- Advantages of Hard Money Loans
- Limitations of Hard Money Loans
- Los Angeles Trends & Forecast 2025-2026
- Why Los Angeles Is a Top Investment in 2025
- Neighborhoods Los Angeles, CA
- Types of Hard Money Loans
- 2023 Los Angeles Real Estate Market Forecast
- Los Angeles Office Market Insights
- Los Angeles Industrial Market Insights
- Los Angeles Retail Outlook 2023
- Unlock Investment Opportunities in Los Angeles
- Working with A Hard Money Lender Los Angeles
- Final Thoughts
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 40 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 (562) 857-2285 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 40 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 (562) 857-2285 for any questions or concerns you may have regarding the limitations of Hard Money Loans.
Los Angeles Hard Money Lenders: Trends & Forecast 2025-2026
As we move through 2025 and anticipate 2026, the hard money lending landscape in Los Angeles is evolving due to economic shifts and technological advancements.
Traditional lenders are tightening their credit criteria, leading investors to increasingly turn to hard money loans for their flexibility and rapid approval processes. This trend is particularly evident in Los Angeles, where the competitive real estate market demands swift action.
Technological integration is also reshaping the industry. Lenders are adopting digital platforms and utilizing big data analytics to streamline applications and enhance underwriting accuracy, resulting in quicker approvals and a more efficient borrowing experience.
The city’s diverse real estate market presents opportunities in emerging neighborhoods such as Highland Park and Echo Park. Investors are leveraging hard money loans to fund projects in these areas, aiming to meet the growing demand for residential and mixed-use properties.
As demand for hard money loans increases, competition among lenders is intensifying. To attract borrowers, lenders are offering more favorable terms, such as lower interest rates and higher loan-to-value ratios, benefiting investors seeking better financing options.
Why Los Angeles Real Estate Is a Top Investment in 2025
Investing in Los Angeles real estate in 2025 offers compelling opportunities due to the city’s robust economic growth, diverse housing market, and strategic infrastructure developments.
The city’s economy is thriving, with significant contributions from the entertainment, technology, and tourism sectors, leading to increased demand for both residential and commercial properties. Notably, the median home price in Los Angeles reached $1 million in 2024, reflecting a 4% increase, indicating a stable and appreciating market.
Additionally, infrastructure projects, such as the Metro’s D Line extension opening in 2025, are enhancing connectivity and accessibility, further boosting property values. These factors, combined with the city’s cultural appeal and favorable climate, make Los Angeles a top investment destination in 2025.
Top Neighborhoods for Real Estate Investment in Los Angeles, CA
Investing in Los Angeles real estate offers a plethora of opportunities across its diverse neighborhoods. Each area presents unique characteristics that cater to different investment strategies and goals.
- 1. Silver Lake
- 2. Highland Park
- 3. West Adams
- 4. Playa Vista
- 5. Leimert Park
- 6. Sherman Oaks
- 7. Glassell Park
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.
2023 Los Angeles Real Estate Market Forecast
(Updated 12-Sep-2023)
For ambitious investors and tenants alike, Los Angeles, CA, offers a flourishing, top-tier metro with a sizable population, surging economic growth, and plenty of commercial real estate options. In recent years, rising prices, robust demand, and low vacancy rates have characterized the Los Angeles commercial real estate market. The city is home to major industries, including finance, entertainment, and technology, which drive demand for commercial real estate.
Get in-depth commercial market reports and insights from our real estate experts in the Greater Los Angeles area. RTI Bridge Loans looks at Los Angeles commercial real estate activities and the latest statistics to provide you with expert market research on Los Angeles commercial properties.
Los Angeles Office Market Insights
» Investment Sales
The total sales volume in Q2 2023 was $968 million, signaling a decrease from previous years. Year to date, the office sales volume is 3.8 times lower than the average total sales during the first half of each subsequent year dating back to 2012.
» Availability
Los Angeles has once again set a new high for available office space. As we go into Q3 2023, Los Angeles currently has 69.7 million square feet of open office space, representing 23.2% of the office market. This continues the upward trend of availability since the pandemic.
» Leasing Volume YTD
Office leasing activity in the Los Angeles market remains modest into Q3 2023. The square footage of leases signed year to date, estimated to be around 8.7 million square feet, is around three-quarters of the average activity seen from 2015 through 2019, the five years leading up to the pandemic
The impact of economic uncertainty and the growing prevalence of remote work models has caused a slowdown in leasing activity YTD, down 29.8% from the same period in 2022.
» Rent Growth Plateaus
While Los Angeles has the highest yearly increase in asking office rents, it concluded the second quarter of 2023 with average asking rents at $43.58/sf, only 0.8% down from the previous year.
Los Angeles Industrial Market Insights
During the pandemic, industrial occupiers garnered massive warehouse space to keep up with demand, hitting a low point of only 11.5 million square feet available in Q1 2022. However, as the pandemic’s effects subside, they are returning the excess space they acquired, resulting in an enormous amount of sublet space being available for lease.
» Available Space on the Rise
Currently, 6.65 million square feet of industrial space is available for sublet in Los Angeles. The available sublet space has increased 31% from Q1 2023 and a remarkable 99% compared to the second quarter of 2022.
» Have Rents Peaked?
Industrial market rates averaged $1.73 price/sf in Q2 2023. While this is a slight dip from last quarter, the overall asking rate in LA had been on a steady growth trend for 18 consecutive quarters.
» Construction Activity Remains Hot
There are currently 7.4 million square feet of industrial space under construction, the highest in the last ten years.
» Investment Sales
The total sales volume in 2023 year-to-date is $386.78 per square foot, with a sale volume of $1.33B.
» Port Activity Declining
The port activity in Los Angeles has declined in the first half of 2023 compared to the previous year.
Los Angeles Retail Outlook 2023
The Los Angeles retail market Struggles to rebound going into Q3 2023. Despite elevated vacancy, sluggish demand, and added construction, asking rents have not decreased to boost occupancy. The brick-and-mortar retail market is dealing with an unprecedented amount of sublease office space.
» Investment Sales
Sales volume of the Los Angeles retail market for the past year totaled $4.9 billion as of Q2 2023.
» Inventory
Completed construction has added over 280K square feet, mostly vacant, to the inventory in Q1 2023, but the market is dealing with an unprecedented amount of sublease office space.
» Rent Growth Might Slow
Price appreciation for retail spaces in Los Angeles has grown at an annual rate of 3.3% over the past five years, peaking at $420 per square foot. However, the market conditions, including higher interest rates, are expected to decelerate the price appreciation.
» Vacancy
Vacant space in Los Angeles grew by 747,000 square feet to almost 19 million square feet in the second quarter of 2023. The vacancy rate has increased by 0.2% in the past year to 5.3% as of Q2 2023.
» Trends to Watch
Tenants are more selective about office space needs and pursue short-term leases to maintain flexibility. At the same time, landlords are much more receptive to tenant needs and optimize their offerings to improve occupancy and maximize revenue.
Unlock Investment Opportunities in Los Angeles with RTI Bridge Loans
Los Angeles presents a dynamic and thriving commercial real estate market with diverse opportunities for investors and tenants. The city’s robust economy, driven by major industries such as finance, entertainment, and technology, continues to fuel demand for commercial properties.
For those seeking hard money loans to seize investment opportunities in this dynamic market, RTI Bridge Loans is your key partner. Our experts specialize in providing tailored financing solutions to help you capitalize on Los Angeles’s commercial real estate potential. Whether you’re looking to invest in office, industrial, or retail properties, we have the expertise to assist you. Contact us at (562) 857-2285 or fill out our online form to request a free quote and let us help you secure the hard money loan you need to unlock the full potential of Los Angeles’s commercial 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!