California has some of the highest property values in the country and some of the longest approval timelines. Those two facts together are why so much investment activity here is financed privately rather than through a bank. Hard Money Loan Lender helps investors, builders and property owners evaluate business-purpose financing options for California real estate, with requests handled from our Beverly Hills office.
We review transactions in Southern California, the Central Valley, the Sacramento region, the Bay Area and the Inland Empire, subject to property type and loan size.
A bank underwrites the borrower and a stabilized asset. Much of California investment real estate is neither: the property may be mid-renovation, unpermitted in part, vacant, tenant-occupied at below-market rent, or held in an entity with a complicated ownership history.
Private and hard money financing is structured around the asset and the plan. That makes it useful for short escrows, trust and probate sales, partner buyouts, entitlement periods and properties that need work before any long-term lender will look at them.
Initial decisions may be available within 24 hours, and qualified transactions may close in as little as 3–5 business days. Timing depends on the property, documentation, title and underwriting requirements.
Requests are reviewed across the state, with the most activity in Southern California. Availability for a specific property depends on the location, property type, loan size and business plan.
Business-purpose lending secured by California real estate is regulated, and licensing and disclosure requirements apply to the parties originating and making the loan. Ask for the licensing details of any lender before you sign.
Construction and renovation budgets may be included in some structures, funded through draws as work is completed. Plans, permits and contractor information are generally requested.
Land and pre-development situations may be considered where there is meaningful equity, a defined plan and a credible exit. Entitlement status is a major factor.
Entity and trust borrowers are common on California investment property. Formation or trust documents, authority and guarantees may be requested.
No. The programs described here are intended for business-purpose transactions secured by non-owner-occupied real estate.
468 N Camden Dr, Suite 214A
Beverly Hills, CA 90210
(833) 435-9777
info@hardmoneyloanlender.online
Applications are accepted online 24/7. In-person meetings are available by appointment.