San Diego Hard Money Loans

Hard Money and Bridge Loans in San Diego

Choosing whether you should or shouldn’t get a Hard Money Loan may seem like a daunting task, so we are here to break it all down for you in a simple way that you’ll be able to understand. What are hard money loans? And how do they work? Most importantly, how can they help you out in the greater San Diego real estate market? These are all questions we will answer for you. For over 40 years, RTI Bridge Loans has been supplying real estate investors with hard money loans of all types in San Diego, and they can help you figure out which option will be the best for you when you’re ready to start your new endeavor. Keep reading to learn more about Hard Money Loan options and how RTI Bridge Loans can help you get started with your next project.

40 Years Of Experience
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
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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What Are Hard Money Loans?

Hard money loans are a type of loan that you get outside of a financial institution directly from a private lender or company. They are secured by real estate, better known as collateral, and they are high-interest and short-term loans. Most people don’t want to deal with mortgage loans that banks supply because they can take months to achieve, and you have to have flawless credit and a good-looking financial history to acquire one. It’s different with Hard Money Lenders – they rarely look at your credit history because they are more interested in the collateral or equity you have in a property. Monthly payments are usually interest-only, and if payments aren’t made by the end of the loan term, the hard money lender sells the collateral property to get their money back.

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 Loans In San Diego, CA

In San Diego, CA, RTI Bridge Loans offers many different types of hard money loans, including fix and flip loans, private money loans, bridge loans, construction loans, commercial property loans, and much more for every financing need. Hard Money Loans in San Diego are a quick way to borrow money without jumping through the hoops that banks make you go through, and in the booming San Diego real estate, there has never been a better time to begin investing. Right now, rental properties are hot investments, as many Californians can’t afford homes and are opting to rent. Call RTI Bridge Loans today to learn more about your Hard Money Loan options in San Diego, CA.

Fix And Flip Loans In San Diego, CA

San Diego hosts a large population (upwards of 1.5 million), and the neighborhoods continue to grow and change. This is where fix and flip projects come in to play – one of the most popular hard money loans in the area. Fix and Flip Loans are a type of hard money loan used by investors who like to buy new properties, renovate them, and sell them for a high profit. This is the perfect type of loan option for fix and flip projects because they are short-term – just enough time for the property to be renovated. After the property is sold, the loan is paid back in full. RTI Bridge Loans has over 40 years of experience financing fix and flip projects – contact them today to learn more about the San Diego neighborhoods and how you can begin fixing and flipping your own projects!

What Is A Hard Money Loan?

If you don’t want to wait for a traditional bank loan or you don’t qualify for one, a hard money loan might be your best option. Hard money loans are a quick way to borrow money without using traditional mortgage lenders. Companies or investors lend you money based on the property you want to purchase (often referred to as the collateral). These are short-term loans that usually last a year, and there are many types of hard money loans, including private, fix and flip, bridge loans, and more. They all have different reasons for using them, but the rules are pretty much the same for each type. The best thing about hard money loans is that you don’t need to jump through dozens of hoops to get one like you would have to with a traditional bank loan.

Private Money Loans In San Diego, CA

Serving San Diego and surrounding areas such as Los Angeles, RTI Bridge Loans is a Private Money Lender that specializes in providing these types of hard money loans. Private money loans are a lot like hard money loans – they are short-term loans, usually lasting about a year, with high interest and real property used as collateral. Home to over 1.5 million people, you can expect to see the San Diego neighborhoods continue to grow over the next decade, and now is the time to invest. RTI Bridge Loans can help provide you with private money loans in San Diego, CA, and will help you finance your next project within the area.

Top Benefits Of Hard Money Loans

There are many reasons why RTI Bridge Loans has new customers every day and a constant return of old customers – hard money loans have so many positive benefits that have people continuously interested. For starters, they are extremely fast! Hard money loans, compared to traditional bank loans, are speedy, and money is usually funded within a few days (2 weeks max). Traditional bank loans can take upwards of 2 months to receive because they have to check every inch of your personal financing background, and unless you’re perfect, you’ll most likely be denied. Private money lenders are so fast because they don’t look at your background; they are only interested in the property you are placing as collateral.

Hard money lenders also provide funding for projects that banks would usually turn down. For example, Fix and Flip Loans are something a bank just simply wouldn’t understand. You’d most likely be instantly denied. Hard money lenders see fix and flip projects as a way to make a lot of money, and will most likely fund your fix and flip project.

Lastly, hard money loans are extremely flexible. Compared to traditional bank loans, there are way less rules, restrictions, and guidelines that need to be followed. Though they are considered more of a ‘last resort’ option, people tend to forget that the terms of hard money loans make opting for one an easy choice. Contact RTI Bridge Loans today for more information.

Top Disadvantages Of Hard Money Loans

There are a few reasons why people are scared of Hard Money Lenders, and it makes complete sense. If you are not prepared fully with a solid repayment plan, you can potentially lose the collateral property you are investing in. On top of that, interest rates are way higher than traditional bank loans. The interest rates are higher due to the risk both you and the lender must go through in order to make the hard money loan happen – rates are usually between 9-15%.

Hard money loans are risky, short-term, and considered ‘last resort,’ so be careful when you opt for one. Loan terms usually only last between six months and one year, and you need to have a solid repayment plan, or your lender may turn you down. Consider these disadvantages before you choose to invest in a hard money loan.

The Different Types Of Hard Money Loans

There are many different Hard Money Loan types that are meant for different projects. For example, fix and flip loans are for fix and flip projects, and commercial hard money loans are meant for investing in commercial property. There are other loan types, including bridge loans, private money loans, hard money loans (general terms), and much more. Let’s take a look at the most popular types of hard money loans.

Bridge Loans:

Bridge loans are a hard money loan type meant for people who are trying to secure a new property, but they are still waiting to sell their old property. This is a great option for people who are ready to move and don’t want to sit around and wait in the same area for their house to sell. Bridge loan terms usually last around a year – enough time to sell the old property and move into the new one.

Fix And Flip Loans:

In San Diego, CA, Fix and Flip Loans are extremely popular due to all the houses that need renovating and selling. Fix and Flip Loans are exactly how they sound, the lender gives the investor enough money to buy a new property, with a loan term (roughly one year) that lasts long enough to renovate the property and sell it for a nice profit. When the property is sold, the loan is paid back.

Hard Money Loans:

Hard Money Loans are the general term that classifies all the types of loans, including bridge, private, commercial, fix and flip, etc. They are short-term loans with high-interest rates – usually, the monthly payment is interest-only. Hard money loans are secured by real property (collateral), and failing to make payments will result in the lender selling the property in order to get their money back.

Contact RTI Bridge Loans in San Diego, CA at (562) 857-2285 for any questions or concerns you may have regarding the limitations of hard money loans.

Working With Hard Money Lenders In San Diego, CA

With over 15 years of experience, RTI Bridge Loans has outstanding experience when it comes to Financing Hard Money Loans in San Diego, CA, and surrounding areas. So, why are hard money loans so popular right now in San Diego? With a high population and people continuing to make the move to San Diego, it brings it more investors looking to secure real estate property and rent it out (the same goes for commercial property). Right now, Fix and Flip Projects are very popular, and the process enables people to move in quickly to new areas, as well as provide a handsome profit for both the hard money lender as well as the investor. RTI Bridge Loans is here to help you get started on your next project, big or small. Call (562) 857-2285 today for more information.

Final Thoughts – Everything You Need To Know About San Diego

San Diego is a small area, yet it is packed with roughly 1.5 million people. This beachside town outside of Los Angeles is absolutely stunning, making it the ideal area for thousands of people who are ready to move to a sunnier location every year. Known for its gorgeous beaches and recreational parks as well as pricey rental and home costs, San Diego is perfect for investors who are ready to embark on their next property project, or for people who are simply looking to buy a new home in the area with their old home still on the real estate market. Whatever you are going through, RTI Bridge Loans is here to help. Call today and get ready for sunny San Diego!

Hard Money Lenders Near Me: San Diego, CA

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