© WHERE WE LEND CATHEDRAL CITY · CA
HARD MONEY LENDER CATHEDRAL CITY
Cathedral City bridge, flip and DSCR money from a lender that answers the phone and closes on time.
CALL OR TEXT US (619) 617-2797
- GOOGLE RATING 150+ REVIEWS
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618
Cathedral City sits between Palm Springs and Rancho Mirage, the valley's most residential mid-market city, with a working downtown and housing priced below the resort cities on either side.
Loan Goat funds Cathedral City deals the way it funds California deals generally, on the asset. Riverside County is the working radius, and the same terms extend to Palm Springs, Rancho Mirage and Desert Hot Springs when the next opportunity lands one town over.
The whole point of a private lender is that the deal decides the answer. On Cathedral City property that means value, exit and plan, reviewed by the same desk that releases the funds. Veteran-owned, in business since 2022, 1.3K+ loans closed.
© THE COST CATHEDRAL CITY · CA
WHAT DO CATHEDRAL CITY HARD MONEY LOANS COST
Pricing a Cathedral City deal is straightforward. Bridge runs from 9.00% to 13.00% and moves with leverage and risk. Ask for more of the purchase price and the rate moves up; bring a stronger exit and it moves down. Residential bridge goes to 75% LTV and commercial to 70%.
Every quote is written before an appraisal is ordered, so a Cathedral City investor knows the rate, the leverage, the term and the fees while there is still time to walk. No prepayment penalty on the bridge programs means a flip that sells in four months costs four months of interest, not twelve.
| PROGRAM | RATES | LEVERAGE UP TO | TERMS | LOAN AMOUNTS |
|---|---|---|---|---|
| BRIDGE LOAN | 9.00% to 13.00% | LTV 75% | 1 or 2 years | $150,000 to $25,000,000 |
| FIX & FLIP | 9.99% to 12.00% | LTV 85% of purchase, LTC 100% of rehab | 6 to 18 months | $250,000 to $10,000,000 |
| RENTAL DSCR | 6.50% to 9.99% Non-QM | LTV 80% | 5, 7, 30 and 40 year fixed | Sized to the property |
Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.
Those numbers are the ceiling and the floor. A Cathedral City deal gets priced inside them once the property and the exit are on the table, usually the same day the file is opened.
© WHY LOAN GOAT CATHEDRAL CITY · CA
WHY LOAN GOAT IN CATHEDRAL CITY
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Certainty is the product. A Cathedral City borrower gets written terms, in-house capital and one person who can say yes. Nothing is sold to a warehouse line mid-process and nothing is re-priced at the closing table, which is why the review record reads 5.0 across 150+ reviews.
Post-war and 1980s single-family, condominiums, mobile home parks, and commercial along Highway 111. That stock is exactly what the bridge and fix and flip programs are built for.
Renovation, condominium holds, seasonal rentals, and commercial bridge. The program follows the plan, not the other way round.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
CATHEDRAL CITY DEALS, FUNDED FROM SAN DIEGO.
Riverside County files run on the same terms as the home markets: written quote first, appraisal once terms are agreed, wire in five to seven days. 1.3K+ closed loans since 2022 and $1.5B+ funded across 46 states.
© LOAN SCENARIOS CATHEDRAL CITY · CA
MOST COMMON CATHEDRAL CITY LOAN SCENARIOS
- 1031 EXCHANGE Bridge money that lets a Cathedral City replacement property close inside the 45 and 180 day windows.
- AUCTION & HUBZU Cathedral City auction buys where the deposit is up and the clock is already running.
- BANKRUPTCY BUYOUT Buying out a partner or a plan on Cathedral City real estate, funded on the equity in the asset.
- BANK STATEMENT LOANS Deposits instead of tax returns for self-employed buyers working Riverside County.
- FORECLOSURE AUCTION Courthouse and trustee sale purchases in Riverside County, funded on the asset and the plan.
- FOREIGN NATIONAL Foreign national buyers acquiring Cathedral City investment property without a US credit file.
- NON-WARRANTABLE CONDOS Non-warrantable Riverside County condo units where the HOA or the investor concentration killed the conventional loan.
- SELF-EMPLOYED Business owners buying in Cathedral City whose write-offs make a bank file impossible.
- VACATION RENTAL Cathedral City vacation rental purchases where the projected income does the work.
- CASH OFFERS ONLY Sellers in Cathedral City who will only look at cash get a proof of funds that holds up.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN CATHEDRAL CITY
- BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
- FIX & FLIP LOANS Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO
- RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. FROM 6.50% · LTV 80% · 30 YR
- COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR
- OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO
- BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
- SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
- BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR
© PROPERTY TYPES CATHEDRAL CITY · CA
PROPERTY TYPES WE FINANCE IN CATHEDRAL CITY
- INDUSTRIAL & WAREHOUSE Warehouse and flex space in and around Cathedral City, purchase, refinance and cash-out.
- HOSPITALITY: HOTEL & MOTEL Motel and boutique hotel repositioning in Cathedral City bridged to an SBA or conventional exit.
- SELF-STORAGE Cathedral City storage facilities, stabilized or in lease-up.
- LAND Entitled and unentitled parcels around Cathedral City on the land program.
- MANUFACTURED HOMES Riverside County manufactured home communities on bridge and commercial terms.
- ASSISTED LIVING Cathedral City care facilities bridged through licensing and stabilization.
© THE APPROACH CATHEDRAL CITY · CA
HOW WE LEND IN CATHEDRAL CITY
The comparison is the operating rulebook: high leverage, speed to close, capital that is actually there, low documentation, in-house processing and a rate the deal earns. When a bank says no on a Cathedral City file, this desk looks at the property. When the deal does not pencil, you hear it before the appraisal is ordered.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
CATHEDRAL CITY BORROWERS, IN THEIR WORDS
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I referred my friend over to Milad and while they weren't ready to do a fix and flip just yet, Alex told me Milad was the first lender that actually explained the process, how constructions loans work, and answered all their questions. She...
MELANIE SANCHEZ -
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 -
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 -
I referred my friend over to Milad and while they weren't ready to do a fix and flip just yet, Alex told me Milad was the first lender that actually explained the process, how constructions loans work, and answered all their questions. She...
MELANIE SANCHEZ -
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 -
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
© QUESTIONS CATHEDRAL CITY · CA
CATHEDRAL CITY HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
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Yes. Loan Goat funds investment property in Cathedral City and across Riverside County on every program listed on this site: bridge, fix and flip, construction, rental property, commercial, owner occupied, bank financing, second and third mortgages and blanket loans. The desk is in San Diego, the capital is in house, and Cathedral City files are underwritten on the property rather than on where the borrower banks.
Request a quote -
Five to seven days is standard and low-doc bridge files have funded in as little as three. The timeline on a Cathedral City deal is usually set by title and escrow rather than by underwriting, because the credit decision is made in house by one person. Open title early and the wire follows the written terms.
How it works -
Non-owner-occupied residential from single-family up to four units, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land across Riverside County. Owner-occupied has its own program. If the Cathedral City asset produces or will produce value, there is usually a structure for it.
Property types -
Price. You are in the middle of the valley at a materially lower entry point, with the same seasonal demand nearby. The trade is a thinner resale market, so we want the exit to allow for time.
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Credit is reviewed, but the property carries the decision. These are business-purpose loans on non-owner-occupied real estate, underwritten to value, exit and the strength of the deal. Investors turned down by a bank for self-employment, a recent event on file or thin documentation are routine business here.
Self-employed borrowers -
Bridge money runs from 9.00% to 13.00% and moves with leverage, property type, exit and experience. Rental loans price lower because the property carries the debt, from 6.50% on the Non-QM tier. Every quote is written before an appraisal is ordered, so you are never chasing a number that changes at the closing table.
Bridge loan terms -
No prepayment penalty on the bridge programs. Pay the loan off the day the flip sells or the refinance funds and you owe interest for the days you used the money. That matters when the whole plan is to be in and out inside a year.
All loan programs -
Five to seven days is the standard, and low-doc bridge deals have closed in as little as three. Speed comes from the structure, not from cutting corners: in-house capital, one decision maker and minimal documentation. Title and escrow set the floor, so the sooner those are opened, the sooner the wire moves.
How funding works
© WHERE WE LEND CATHEDRAL CITY · CA
CATHEDRAL CITY, ROUTED FROM SAN DIEGO HQ.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE CATHEDRAL CITY · CA
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