© WHERE WE LEND DOWNTOWN LOS ANGELES · CA
HARD MONEY LENDER DOWNTOWN LOS ANGELES
Hard money for Downtown Los Angeles and Los Angeles County: written terms first, wire in five to seven days.
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
Downtown Los Angeles runs from the Financial District through the Historic Core to the Arts District and the Fashion District, with adaptive-reuse lofts, new towers and a large older commercial stock.
Every program on this site is available on Downtown Los Angeles property and across Los Angeles County. Investors who also buy in Koreatown, Echo Park and Boyle Heights run those deals through the same desk, which is the point: one lender who already knows the borrower, the entity and the exit strategy.
A Downtown Los Angeles investor gets a direct line to the lender. No intake team, no file handed down a chain, no bank underwriter three weeks out. Written terms come first, then title and escrow, then the wire, usually inside a week.
© THE COST DOWNTOWN LOS ANGELES · CA
WHAT DO DOWNTOWN LOS ANGELES HARD MONEY LOANS COST
There is no Downtown Los Angeles rate sheet separate from the national one. Bridge from 9.00%, up to 75% LTV on residential, one or two year terms, and loans from $150,000 to $25,000,000 on business purpose files. The property and the exit set the number, not the ZIP code.
A Downtown Los Angeles file gets a full written term sheet up front: rate, leverage, term, points and conditions. Nothing gets re-traded at the table. No prepayment penalty on bridge, minimal documentation, and funding in five to seven days.
| 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.
The ranges above are what is actually available. Send the Downtown Los Angeles address and what you intend to do with it and the quote comes back with the exact rate, leverage and term for that deal.
© WHY LOAN GOAT DOWNTOWN LOS ANGELES · CA
WHY LOAN GOAT IN DOWNTOWN LOS ANGELES
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
The reason investors move a Downtown Los Angeles file to a private lender is time. A bank takes thirty to sixty days and asks for two years of returns. This desk takes days rather than weeks and asks for the address, the price and the plan. In a market where the seller has other offers, that is the whole deal.
Adaptive-reuse loft condominiums, high-rise residential, historic office buildings, and wholesale and showroom commercial. All of it is financeable, purchase, refinance or cash-out.
Loft and condominium acquisition, adaptive reuse, and commercial bridge on the older office and retail stock. Bridge for the buy, construction for the build, DSCR for the hold: the same three doors most of these plays run through.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
DOWNTOWN LOS ANGELES DEALS, FUNDED FROM SAN DIEGO.
Los Angeles 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 DOWNTOWN LOS ANGELES · CA
MOST COMMON DOWNTOWN LOS ANGELES LOAN SCENARIOS
- 1031 EXCHANGE Exchange deadlines do not move, so Downtown Los Angeles replacement purchases get funded on the calendar, not on a bank's.
- AUCTION & HUBZU Auction and Hubzu purchases in Los Angeles County funded on the short settlement clocks those platforms run.
- BANKRUPTCY BUYOUT Payoff money to clear a bankruptcy or partner buyout on a Downtown Los Angeles property before the deadline.
- BANK STATEMENT LOANS Bank statement underwriting for Downtown Los Angeles investors whose returns do not show the income the deal actually produces.
- FORECLOSURE AUCTION Downtown Los Angeles foreclosure buys where the money has to be certain before the gavel.
- FOREIGN NATIONAL No US credit history and no domestic tax returns is a normal Downtown Los Angeles file here.
- NON-WARRANTABLE CONDOS Condos in Downtown Los Angeles that agency guidelines will not take, financed on their own merits.
- SELF-EMPLOYED Self-employed Downtown Los Angeles investors underwritten on the property instead of two years of returns.
- VACATION RENTAL Short-term rental acquisitions and refinances in and around Downtown Los Angeles, underwritten on the asset.
- CASH OFFERS ONLY Cash-equivalent certainty for a Downtown Los Angeles offer that has to beat financed competition.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN DOWNTOWN LOS ANGELES
- 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 DOWNTOWN LOS ANGELES · CA
PROPERTY TYPES WE FINANCE IN DOWNTOWN LOS ANGELES
- MULTI-FAMILY Duplexes through apartment buildings across Downtown Los Angeles on bridge, DSCR and commercial programs.
- MIXED-USE Downtown Los Angeles mixed-use where a bank balks at the commercial half of the rent roll.
- RETAIL Downtown Los Angeles retail purchase, refinance and cash-out on the bridge program.
- AGRICULTURAL Working farmland in Los Angeles County financed where a bank will not.
- CANNABIS Los Angeles County cannabis real estate on private terms.
- AUTOMOTIVE & GAS STATION Service stations and automotive property in the Downtown Los Angeles market.
© THE APPROACH DOWNTOWN LOS ANGELES · CA
HOW WE LEND IN DOWNTOWN LOS ANGELES
Most lenders compete on one line of that table. This one is built to hold every line at once, which is why a Downtown Los Angeles borrower gets leverage and speed in the same quote rather than trading one for the other. If the numbers do not work, you are told early and directly.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
DOWNTOWN LOS ANGELES BORROWERS, IN THEIR WORDS
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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 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 -
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 -
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 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 -
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
© QUESTIONS DOWNTOWN LOS ANGELES · CA
DOWNTOWN LOS ANGELES 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 Downtown Los Angeles and across Los Angeles 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 Downtown Los Angeles 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 Downtown Los Angeles 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 Los Angeles County. Owner-occupied has its own program. If the Downtown Los Angeles asset produces or will produce value, there is usually a structure for it.
Property types -
Yes, including buildings agency lenders reject as non-warrantable. Loft conversions often have unusual association structures and commercial space, which stops conventional financing and does not stop us.
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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 -
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 -
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 -
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
© WHERE WE LEND DOWNTOWN LOS ANGELES · CA
DOWNTOWN LOS ANGELES, 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 DOWNTOWN LOS ANGELES · CA
SUBMIT A LOAN REQUEST
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(619) 617-2797
