© BORROW 5-7 DAYS TO CLOSE
HARD MONEY EXPERTS FOR REAL ESTATE INVESTORS
Short-term bridge and rehab capital, long-term rental and commercial loans, one four-step process.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING · 150+ REVIEWS
© THE CLAIMS WE CAN PRINT FROM HIS OWN TERMS CARDS
"We process and close your loan in 5-7 days"
From application to funding the standard is the same on every program, and the hard money bridge can close in as quickly as 3 days.
"Minimal documentation required"
Printed on the bridge, fix and flip, construction and small and large balance bridge terms cards. Fix and flip and construction list it in full: application, SREO, proof of funds.
"In-House Processes"
Where a bank queues a file behind active loan limits, Loan Goat processes and underwrites in-house, which is the difference the comparison table draws.
© WHY PRIVATE MONEY CALL THE GOAT
STOP LOSING TIME AND MONEY CHASING FINANCING
A bank can take sixty days to say no. An investor cannot. The deals that make money are the ones you can close on time, and the financing has to move at the speed of the offer.
Loan Goat underwrites the property, the equity and the exit. The four steps are the whole process: application, documentation, Letter of Intent, closing. In his own words: "While others drown in paperwork and wait on banks, we're out here getting loans approved."
Bring the address, the numbers and the plan. If it fits a program, the Letter of Intent follows; if it does not, we say so and tell you what would.
OUR PROCESS
San Diego's private and hard money lender, funding in 46 states
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
© THE FORM 2 MINUTES
SUBMIT A LOAN REQUEST
The loan information form: two minutes, one call back from a lending advisor.
Or just give us a call now: (619) 617-2797
© VOICES GOOGLE VERIFIED
WHAT BORROWERS SAY
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I had an excellent experience with Loan Goat during our real estate deal, working as the buyers agent throughout the deal. Their team was professional, responsive, and guided me through every step of the process. Clear communication and...
RAPHAEL ROUFAIL II -
The Loan GOAT saved the day! A deal started to go south with a traditional bank despite there being no true issue. Milad having a true understanding of how to get help we are clear to close in 15 business days. Maricruz was the star in this,...
ALEXIS REYES -
Fantastic experience working with Milad and his staff at loan goat. Closed both of my loans in less than 10 days. Best hard money lender hands down in San Diego
ALEX TELEFORD -
As a business owner traditional lending doesn't fit my finances, which is why Loan Goat is a godsend. They are able to work with you, understand what you're trying to do and get it done.
NEVENKA MOROZIN -
I recently completed a bridge cash-out refinance from a private lender through Loan Goat and I cannot say enough good things about the experience. As a borrower in New York - one of the most attorney-heavy and regulation-intensive states - the...
ERIC MANLUNAS -
This team is equipped with professional, knowledgeable, patient, friendly, and responsive members! We were able to purchase our first investment property with the help and guidance of Milad and his team. They answered our questions...
GABI JUACHE
© QUESTIONS SIX ANSWERS
QUESTIONS BEFORE YOU BORROW
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Less hard than at a bank, by design: Loan Goat's promise is less requirements, more closings, and most programs need minimal documentation. Approval turns on the deal itself, so a clean property with equity and a real exit moves quickly through the four steps: application, documentation, Letter of Intent, and closing in 5-7 days. What slows a file is missing paperwork or a plan that does not add up, not the lender.
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You qualify on the property, the equity or down payment, a credible exit and a credit profile above the program floor, not on tax returns. Experience matters less than people expect: the bridge loan requires no borrower experience, first time flippers are allowed on fix and flip, first time investors are OK on the rental DSCR loan, and ground-up construction asks for 2 previous ground-up projects. Send the address, the numbers and the plan and we will tell you the same day whether it fits.
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The down payment is the gap between the price and what the program lends. Loan Goat publishes its maximum leverage: up to 75% LTV on residential bridge and 70% on commercial, up to 85% of the purchase and 100% of the rehab on fix and flip, up to 80% LTC on ground-up construction and up to 80% LTV on the rental DSCR loan, so the minimum cash in is the remainder plus closing costs and any reserves. Leverage is set per deal and can be lower than the maximum.
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For an investment property in California you need a non-owner occupied property that fits the program (SFR, condo or townhome, 2-4 units, multifamily, mixed use, retail, office, industrial or land depending on the loan), equity or a down payment, a credit score above the program floor and an exit. Loans on a home you occupy are consumer loans with different rules and timelines. Loan Goat Inc. is licensed with NMLS (Company NMLS 1416824, Branch NMLS 2554618); licence details are on the disclosures page.
Lending in California Also answered under Owner Occupied Loans
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Loan Goat's standard is 5-7 days from application to funding, and the hard money residential and commercial bridge loans can close in as quickly as 3 days when title and valuation cooperate. What decides the speed is how fast documents come in and whether the property has title issues. Owner-occupied loans follow consumer rules and take longer.
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For fix and flip and ground-up construction the published list is short: application, SREO (schedule of real estate owned) and proof of funds. Bank statement loans need 12-24 months of bank statements; the P&L-only program needs your P&L statements and business license. If the loan is vested in an entity, expect to provide its formation documents. Most bridge loans need minimal documentation beyond that.