© WHERE WE LEND LAGUNA BEACH · CA
HARD MONEY LENDER LAGUNA BEACH
A direct lender for Laguna Beach deals that banks will not touch, priced on the asset, not the paperwork.
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
Laguna Beach is a coastal art colony with a design review board, steep lots and a housing stock of cottages and custom homes that has resisted standardisation. Supply is fixed by geography and the permit process is the long pole in any project.
Laguna Beach is one of the California markets Loan Goat lends in year round. Orange County files and deals in Laguna Niguel, Dana Point and Newport Beach are underwritten identically, on value, exit and the plan for the property.
The whole point of a private lender is that the deal decides the answer. On Laguna Beach 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 LAGUNA BEACH · CA
WHAT DO LAGUNA BEACH HARD MONEY LOANS COST
Pricing a Laguna Beach 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 Laguna Beach 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.
The ranges above are what is actually available. Send the Laguna Beach 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 LAGUNA BEACH · CA
WHY LOAN GOAT IN LAGUNA BEACH
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
A private lender earns its rate by being fast and being sure. On Laguna Beach property that shows up as a written quote the same day, an appraisal ordered only once the terms are agreed, and a wire inside a week. The rate buys the speed and the certainty.
Coastal cottages, hillside custom homes with ocean views, small mixed-use on Coast Highway, and a handful of small apartment buildings. That stock is exactly what the bridge and fix and flip programs are built for.
High-value renovation, hillside rebuilds, jumbo bridge into a fast escrow, and small mixed-use commercial. 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
LAGUNA BEACH DEALS, FUNDED FROM SAN DIEGO.
Orange 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 LAGUNA BEACH · CA
MOST COMMON LAGUNA BEACH LOAN SCENARIOS
- 1031 EXCHANGE Bridge money that lets a Laguna Beach replacement property close inside the 45 and 180 day windows.
- AUCTION & HUBZU Laguna Beach auction buys where the deposit is up and the clock is already running.
- BANKRUPTCY BUYOUT Buying out a partner or a plan on Laguna Beach real estate, funded on the equity in the asset.
- BANK STATEMENT LOANS Deposits instead of tax returns for self-employed buyers working Orange County.
- FORECLOSURE AUCTION Courthouse and trustee sale purchases in Orange County, funded on the asset and the plan.
- FOREIGN NATIONAL Foreign national buyers acquiring Laguna Beach investment property without a US credit file.
- NON-WARRANTABLE CONDOS Non-warrantable Orange County condo units where the HOA or the investor concentration killed the conventional loan.
- SELF-EMPLOYED Business owners buying in Laguna Beach whose write-offs make a bank file impossible.
- VACATION RENTAL Laguna Beach vacation rental purchases where the projected income does the work.
- CASH OFFERS ONLY Sellers in Laguna Beach who will only look at cash get a proof of funds that holds up.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN LAGUNA BEACH
- 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 LAGUNA BEACH · CA
PROPERTY TYPES WE FINANCE IN LAGUNA BEACH
- MULTI-FAMILY Two to four unit buildings and small apartment stock in Orange County, purchase or cash-out.
- MIXED-USE Retail-over-residential buildings in Laguna Beach commercial corridors, up to 70% LTV.
- RETAIL Strip centers and free-standing retail in Orange County with a repositioning plan.
- OFFICE Laguna Beach office assets being repositioned or bridged to a conventional exit.
- INDUSTRIAL & WAREHOUSE Warehouse and flex space in and around Laguna Beach, purchase, refinance and cash-out.
- HOSPITALITY: HOTEL & MOTEL Motel and boutique hotel repositioning in Laguna Beach bridged to an SBA or conventional exit.
© THE APPROACH LAGUNA BEACH · CA
HOW WE LEND IN LAGUNA BEACH
Most lenders compete on one line of that table. This one is built to hold every line at once, which is why a Laguna Beach 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
LAGUNA BEACH BORROWERS, IN THEIR WORDS
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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 -
Milad is the best in the game! My deal would not have happened without him. He performed at a 10 and was more hands on than I could ever ask for. Definitely recommend!
ASHLEY ANDREOTTI -
The team at Loan Goat literally saved my life. I was in such a bind and didn't think I had anywhere else to turn. Even with my extensive knowledge in this field I felt I was going to lose everything. The team has insight and plans I never...
ELIJAH SCHOLER -
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 -
Milad is the best in the game! My deal would not have happened without him. He performed at a 10 and was more hands on than I could ever ask for. Definitely recommend!
ASHLEY ANDREOTTI -
The team at Loan Goat literally saved my life. I was in such a bind and didn't think I had anywhere else to turn. Even with my extensive knowledge in this field I felt I was going to lose everything. The team has insight and plans I never...
ELIJAH SCHOLER
© QUESTIONS LAGUNA BEACH · CA
LAGUNA BEACH 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 Laguna Beach and across Orange 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 Laguna Beach 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 Laguna Beach 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 Orange County. Owner-occupied has its own program. If the Laguna Beach asset produces or will produce value, there is usually a structure for it.
Property types -
Longer than almost anywhere else in the county, because design review and the hillside ordinances both apply. That is a term question rather than a lending question: tell us the real approval path and we will size the loan around it instead of an optimistic schedule.
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Single-family rentals, condos, townhomes, two to four unit buildings, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land. Business-purpose and non-owner-occupied is the core of the book, with owner-occupied handled under its own program.
Property types -
The address, the purchase price or current value, what you owe, what you plan to do with the property and how you intend to pay the loan back. That is enough for a written quote. Full-doc income packages are not part of the low-doc programs, which is why a quote arrives in hours rather than weeks.
Request a quote -
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
© WHERE WE LEND LAGUNA BEACH · CA
LAGUNA BEACH, 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 LAGUNA BEACH · CA
SUBMIT A LOAN REQUEST
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(619) 617-2797
