LOAN REQUEST (619) 617-2797
Aerial view of the downtown Los Angeles skyline at night

© WHERE WE LEND LOS ANGELES · CA

HARD MONEY LENDER LOS ANGELES

Private and hard money loans for Los Angeles investors from Downtown LA to Santa Monica, Pasadena and Long Beach: bridge, fix and flip, construction and DSCR loans in 5-7 days.

LOAN REQUEST CALL (619) 617-2797

CALL OR TEXT US (619) 617-2797

  • 5.0 GOOGLE RATING 150+ REVIEWS
  • 1.3K+ CLOSED LOANS SINCE 2022
  • $1.5B+ LOANS FUNDED ACROSS 46 STATES
  • VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618

Los Angeles is the largest market Loan Goat lends in and the one where speed matters most. We fund investment property across the county: Downtown LA condos and mixed-use buildings, the westside from Beverly Hills and West Hollywood to Santa Monica and Malibu, Pasadena, Burbank and Glendale to the north and east, the San Fernando Valley, and the South Bay from Torrance to Long Beach. If it is a non-owner occupied property with equity and an exit, it is a Loan Goat deal.

Every Loan Goat program runs in Los Angeles at the published terms: the bridge loan from 9.00% to 13.00%, up to 75% LTV on residential and 70% on commercial and up to $25,000,000, the fix and flip loan from 9.99% with up to 85% of the purchase and 100% of the rehab and first time flippers allowed, ground-up construction up to 80% LTC on 12 to 18 month terms, the rental DSCR loan from 6.50% up to 80% LTV on 30 and 40 year fixed terms, and commercial loans from 7.90% up to 70% LTV. A clean bridge file can close in as quickly as 3 days.

Loans are underwritten and closed from the Loan Goat office in San Diego by the team that answers (619) 617-2797. Los Angeles borrowers get the same four-step process and the same 5-7 day standard as a borrower in our home county; the difference is only the drive. Request a quote if the deal is in hand; read on if you are choosing a lender.

© LOS ANGELES MARKETS LOS ANGELES · CA

EVERY LOS ANGELES MARKET WE LEND IN

Los Angeles is the region page. Each row below is the page written for that city: what a loan costs there, the scenarios we see, the programs that apply and the questions borrowers ask.

  1. Long Beach Los Angeles County, out to Torrance, Norwalk, Downey.
  2. Glendale Los Angeles County, out to Burbank, Pasadena, Inglewood.
  3. Santa Clarita Los Angeles County, out to Simi Valley, Burbank, Thousand Oaks.
  4. Lancaster Los Angeles County, out to Palmdale, Santa Clarita, Burbank.
  5. Palmdale Los Angeles County, out to Lancaster, Santa Clarita, Burbank.
  6. Pomona Los Angeles County, out to Ontario, Rancho Cucamonga, West Covina.
  7. Torrance Los Angeles County, out to Inglewood, Long Beach, Downey.
  8. Pasadena Los Angeles County, out to Glendale, El Monte, Burbank.
  9. El Monte Los Angeles County, out to West Covina, Pasadena, Downey.
  10. Downey Los Angeles County, out to Norwalk, El Monte, Long Beach.
  11. Inglewood Los Angeles County, out to Torrance, Downey, Glendale.
  12. West Covina Los Angeles County, out to El Monte, Pomona, Pasadena.
  13. Norwalk Los Angeles County, out to Downey, Fullerton, Anaheim.
  14. Burbank Los Angeles County, out to Glendale, Pasadena, Inglewood.
  15. Santa Monica Los Angeles County, out to Venice, Pacific Palisades, Culver City.
  16. Malibu Los Angeles County, out to Pacific Palisades, Topanga, Santa Monica.
  17. Beverly Hills Los Angeles County, out to West Hollywood, Century City, Bel Air.
  18. West Hollywood Los Angeles County, out to Beverly Hills, Hollywood, Century City.
  19. Culver City Los Angeles County, out to Marina del Rey, Santa Monica, Playa Vista.
  20. Manhattan Beach Los Angeles County, out to Hermosa Beach, Redondo Beach, El Segundo.
  21. Hermosa Beach Los Angeles County, out to Manhattan Beach, Redondo Beach, Torrance.
  22. Redondo Beach Los Angeles County, out to Hermosa Beach, Manhattan Beach, Torrance.
  23. El Segundo Los Angeles County, out to Manhattan Beach, Hawthorne, Playa del Rey.
  24. Palos Verdes Estates Los Angeles County, out to Rancho Palos Verdes, Rolling Hills Estates, Redondo Beach.
  25. Rancho Palos Verdes Los Angeles County, out to Palos Verdes Estates, Rolling Hills Estates, San Pedro.
  26. Rolling Hills Estates Los Angeles County, out to Rolling Hills, Palos Verdes Estates, Rancho Palos Verdes.
  27. Rolling Hills Los Angeles County, out to Rolling Hills Estates, Palos Verdes Estates, Rancho Palos Verdes.
  28. Signal Hill Los Angeles County, out to Long Beach, Lakewood, Carson.
  29. Carson Los Angeles County, out to Torrance, Long Beach, Compton.
  30. Cerritos Los Angeles County, out to Artesia, Lakewood, La Palma.
  31. Artesia Los Angeles County, out to Cerritos, Lakewood, Norwalk.
  32. Bellflower Los Angeles County, out to Lakewood, Paramount, Downey.
  33. Whittier Los Angeles County, out to La Mirada, Pico Rivera, Santa Fe Springs.
  34. La Mirada Los Angeles County, out to Whittier, Santa Fe Springs, Buena Park.
  35. Santa Fe Springs Los Angeles County, out to Norwalk, Whittier, La Mirada.
  36. Pico Rivera Los Angeles County, out to Montebello, Whittier, Downey.
  37. Montebello Los Angeles County, out to Pico Rivera, Monterey Park, Commerce.
  38. Commerce Los Angeles County, out to Montebello, East Los Angeles, Vernon.
  39. Vernon Los Angeles County, out to Commerce, Huntington Park, Maywood.
  40. Huntington Park Los Angeles County, out to South Gate, Bell, Maywood.
  41. South Gate Los Angeles County, out to Huntington Park, Lynwood, Downey.
  42. Lynwood Los Angeles County, out to South Gate, Compton, Paramount.
  43. Compton Los Angeles County, out to Carson, Lynwood, Paramount.
  44. Paramount Los Angeles County, out to Bellflower, Downey, Lynwood.
  45. Bell Los Angeles County, out to Bell Gardens, Maywood, Cudahy.
  46. Bell Gardens Los Angeles County, out to Bell, Cudahy, Commerce.
  47. Cudahy Los Angeles County, out to Bell, Bell Gardens, Maywood.
  48. Maywood Los Angeles County, out to Bell, Cudahy, Huntington Park.
  49. Alhambra Los Angeles County, out to San Gabriel, Monterey Park, South Pasadena.
  50. San Gabriel Los Angeles County, out to Alhambra, Rosemead, Temple City.
  51. Monterey Park Los Angeles County, out to Alhambra, Rosemead, Montebello.
  52. Rosemead Los Angeles County, out to San Gabriel, Temple City, El Monte.
  53. Temple City Los Angeles County, out to Arcadia, Rosemead, El Monte.
  54. Arcadia Los Angeles County, out to Temple City, Monrovia, Sierra Madre.
  55. San Marino Los Angeles County, out to South Pasadena, Alhambra, Arcadia.
  56. South Pasadena Los Angeles County, out to Alhambra, San Marino, Monterey Park.
  57. Sierra Madre Los Angeles County, out to Arcadia, Monrovia, San Marino.
  58. Monrovia Los Angeles County, out to Arcadia, Duarte, Sierra Madre.
  59. Duarte Los Angeles County, out to Monrovia, Azusa, Bradbury.
  60. Bradbury Los Angeles County, out to Duarte, Monrovia, Azusa.
  61. Azusa Los Angeles County, out to Glendora, Duarte, Irwindale.
  62. Glendora Los Angeles County, out to Azusa, San Dimas, Covina.
  63. San Dimas Los Angeles County, out to Glendora, La Verne, Covina.
  64. La Verne Los Angeles County, out to San Dimas, Claremont, Pomona.
  65. Claremont Los Angeles County, out to La Verne, Pomona, San Dimas.
  66. Covina Los Angeles County, out to West Covina, Azusa, Glendora.
  67. Baldwin Park Los Angeles County, out to El Monte, Irwindale, Covina.
  68. La Puente Los Angeles County, out to Baldwin Park, West Covina, Industry.
  69. Industry Los Angeles County, out to La Puente, Walnut, Hacienda Heights.
  70. Irwindale Los Angeles County, out to Azusa, Baldwin Park, Duarte.
  71. South El Monte Los Angeles County, out to El Monte, Rosemead, Montebello.
  72. Walnut Los Angeles County, out to Diamond Bar, Industry, West Covina.
  73. Diamond Bar Los Angeles County, out to Walnut, Pomona, Industry.
  74. Hacienda Heights Los Angeles County, out to La Puente, Industry, Whittier.
  75. Rowland Heights Los Angeles County, out to Hacienda Heights, Walnut, Diamond Bar.
  76. Gardena Los Angeles County, out to Torrance, Hawthorne, Lawndale.
  77. Hawthorne Los Angeles County, out to Lawndale, Inglewood, El Segundo.
  78. Lawndale Los Angeles County, out to Hawthorne, Redondo Beach, Torrance.
  79. Lomita Los Angeles County, out to Torrance, Rancho Palos Verdes, Harbor City.
  80. Hawaiian Gardens Los Angeles County, out to Cerritos, Lakewood, Artesia.
  81. La Canada Flintridge Los Angeles County, out to Altadena, Burbank, Tujunga.
  82. Montrose Los Angeles County, out to La Canada Flintridge, Tujunga, Burbank.
  83. Agoura Hills Los Angeles County, out to Calabasas, Westlake Village, Woodland Hills.
  84. Calabasas Los Angeles County, out to Agoura Hills, Hidden Hills, Woodland Hills.
  85. Hidden Hills Los Angeles County, out to Calabasas, Agoura Hills, Woodland Hills.
  86. Westlake Village Los Angeles County, out to Agoura Hills, Calabasas, Thousand Oaks.
  87. San Fernando Los Angeles County, out to Sylmar, Granada Hills, Sun Valley.
  88. Avalon Los Angeles County, out to San Pedro, Long Beach, Rancho Palos Verdes.
  89. La Habra Heights Los Angeles County, out to Whittier, La Habra, Hacienda Heights.
  90. Venice Los Angeles County, out to Santa Monica, Marina del Rey, Playa del Rey.
  91. Marina del Rey Los Angeles County, out to Venice, Playa del Rey, Playa Vista.
  92. Playa Vista Los Angeles County, out to Playa del Rey, Marina del Rey, Culver City.
  93. Playa del Rey Los Angeles County, out to Marina del Rey, Playa Vista, Venice.
  94. Westwood Los Angeles County, out to Century City, Brentwood, Bel Air.
  95. Brentwood Los Angeles County, out to Westwood, Pacific Palisades, Bel Air.
  96. Bel Air Los Angeles County, out to Beverly Hills, Brentwood, Westwood.
  97. Pacific Palisades Los Angeles County, out to Brentwood, Malibu, Santa Monica.
  98. Century City Los Angeles County, out to Beverly Hills, Westwood, Bel Air.
  99. Silver Lake Los Angeles County, out to Echo Park, Los Feliz, Atwater Village.
  100. Echo Park Los Angeles County, out to Silver Lake, Downtown Los Angeles, Highland Park.
  101. Los Feliz Los Angeles County, out to Silver Lake, Hollywood, Atwater Village.
  102. Highland Park Los Angeles County, out to Eagle Rock, Echo Park, South Pasadena.
  103. Eagle Rock Los Angeles County, out to Highland Park, Atwater Village, South Pasadena.
  104. Atwater Village Los Angeles County, out to Silver Lake, Los Feliz, Eagle Rock.
  105. Koreatown Los Angeles County, out to Downtown Los Angeles, Hollywood, Echo Park.
  106. Downtown Los Angeles Los Angeles County, out to Koreatown, Echo Park, Boyle Heights.
  107. Arts District Los Angeles County, out to Downtown Los Angeles, Boyle Heights, Vernon.
  108. Boyle Heights Los Angeles County, out to Downtown Los Angeles, East Los Angeles, Arts District.
  109. East Los Angeles Los Angeles County, out to Boyle Heights, Montebello, Commerce.
  110. San Pedro Los Angeles County, out to Wilmington, Harbor City, Rancho Palos Verdes.
  111. Wilmington Los Angeles County, out to San Pedro, Harbor City, Carson.
  112. Harbor City Los Angeles County, out to Wilmington, San Pedro, Lomita.
  113. Sherman Oaks Los Angeles County, out to Studio City, Encino, Van Nuys.
  114. Studio City Los Angeles County, out to Sherman Oaks, North Hollywood, Van Nuys.
  115. North Hollywood Los Angeles County, out to Studio City, Van Nuys, Burbank.
  116. Van Nuys Los Angeles County, out to Sherman Oaks, North Hollywood, Reseda.
  117. Encino Los Angeles County, out to Tarzana, Sherman Oaks, Van Nuys.
  118. Tarzana Los Angeles County, out to Encino, Woodland Hills, Reseda.
  119. Woodland Hills Los Angeles County, out to Tarzana, Canoga Park, Calabasas.
  120. Northridge Los Angeles County, out to Granada Hills, Reseda, Chatsworth.
  121. Granada Hills Los Angeles County, out to Northridge, Porter Ranch, Chatsworth.
  122. Porter Ranch Los Angeles County, out to Granada Hills, Chatsworth, Northridge.
  123. Chatsworth Los Angeles County, out to Northridge, Porter Ranch, Canoga Park.
  124. Canoga Park Los Angeles County, out to Woodland Hills, Reseda, Chatsworth.
  125. Reseda Los Angeles County, out to Northridge, Van Nuys, Canoga Park.
  126. Sylmar Los Angeles County, out to San Fernando, Granada Hills, Sun Valley.
  127. Sun Valley Los Angeles County, out to North Hollywood, Burbank, Sylmar.
  128. Tujunga Los Angeles County, out to Sun Valley, La Canada Flintridge, Montrose.
  129. Altadena Los Angeles County, out to La Canada Flintridge, Sierra Madre, Eagle Rock.
  130. Topanga Los Angeles County, out to Malibu, Woodland Hills, Calabasas.

© THE COST LOS ANGELES · CA

WHAT DO LOS ANGELES HARD MONEY LOANS COST

A Los Angeles hard money loan is priced on the same three layers as any other: the interest rate, the origination points and the third-party closing costs. Because loan sizes in the county run high, the leverage a lender is willing to reach matters more here than the last quarter point of rate. Loan Goat publishes both, and the table below carries the starting rates and maximum leverage from the program pages without adjustment.

The starting rate goes to a qualified borrower with a clean deal: equity, a real exit, and a property in a liquid part of the county. Where a specific Los Angeles loan lands depends on leverage, credit, experience, property type and exit. A stabilized fourplex in Glendale with a refinance exit prices differently from a full gut in the Valley at maximum leverage; both can close.

Loan Goat starting terms by program, from the published terms cards
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 bridge, fix and flip, construction and rental DSCR loans carry no prepayment penalty, so a Los Angeles flip that sells in five months pays five months of interest. Rehab and construction interest is non-Dutch, charged only on the drawn balance, and an interest reserve can carry payments inside the loan while a project produces no income.

Where a Los Angeles file carries a matured loan or a notice of default, the bridge loan can still be the answer: it is underwritten on the property and the exit, with a 650 minimum score, up to 75% LTV on residential and 70% on commercial, and a clean file can close in as quickly as 3 days.

© WHY LOAN GOAT LOS ANGELES · CA

WHY LOAN GOAT IN LOS ANGELES

  • 1.3K+ CLOSED LOANS SINCE 2022
  • $1.5B+ LOANS FUNDED ACROSS 46 STATES
  • 5.0 GOOGLE RATING
  • 150+ REVIEWS

Los Angeles investors are used to lenders who quote fast and close slow. Loan Goat has closed 1.3K+ loans since 2022 and funded $1.5B+ across 46 states, holds a 5.0 Google rating with 150+ reviews, and runs a four-step process that closes in 5-7 days because processing is done in-house. Eric Manlunas, writing as a borrower in New York, said of his bridge cash-out refinance through Loan Goat that he "cannot say enough good things about the experience"; a Los Angeles file gets the same standard.

Range is the second reason. A Downtown LA condo that fails conventional review can go on the DSCR loan, where non warrantable condos are permitted. A Pasadena flip becomes a rental at the end of the rehab and refinances into a 30-year DSCR loan. A Long Beach portfolio of five or more properties consolidates into one rental portfolio loan. A South Bay warehouse or a Burbank mixed-use building goes on the commercial programs. One lender, every stage of the plan.

The third reason is who is on the other end of the line. Loan Goat is a veteran-owned company founded by a former United States Marine Corps Sergeant, and its comparison table is a set of operating rules rather than slogans: high leverage, speed to close, reliable capital, low-doc requirements, in-house processes, lower rates. In Los Angeles that translates into a Letter of Intent with every cost on it before the appraisal is ordered.

THE PROCESS

  1. Complete your application
  2. Submit required documentation
  3. Sign your Letter of Intent
  4. We process and close your loan in 5-7 days
LOAN REQUEST HOW BORROWING WORKS

© FOCUS MARKET LOS ANGELES · CA

THE BIGGEST MARKET. THE SAME 5-7 DAYS.

Los Angeles files get the process every Loan Goat borrower gets: application, documentation, Letter of Intent, close. In-house processing is what keeps a large-market loan on a small-market timeline.

© LOAN SCENARIOS LOS ANGELES · CA

MOST COMMON LOS ANGELES LOAN SCENARIOS

ALL LOAN SCENARIOS

© LOAN PROGRAMS NINE WAYS TO CLOSE

LOAN PROGRAMS AVAILABLE IN LOS ANGELES

ALL LOAN PROGRAMS
  1. BRIDGE LOANS Purchases, recapitalizations and stabilizations across Los Angeles County: up to 75% LTV, up to $25,000,000, rates from 9.00%, no prepayment penalties. FROM 9.00% · LTV 75% · 1-2 YR
  2. FIX & FLIP LOANS Renovations on SFR, condo, townhome and 2-4 units from the Valley to the South Bay: up to 85% of the purchase and 100% of the rehab, rates from 9.99%. FROM 9.99% · LTV 85% · 6-18 MO
  3. CONSTRUCTION LOANS Ground-up and infill construction for builders with 2 previous ground-up projects: up to 80% LTC, 12 to 18 month terms, flexible draws. LTC 80% · 12-18 MO
  4. RENTAL PROPERTY LOANS DSCR loans from 6.50%, up to 80% LTV on 5, 7, 30 and 40 year fixed terms, portfolio loans for 5+ properties, multifamily term loans. FROM 6.50% · LTV 80% · 30 YR
  5. COMMERCIAL LOANS Multifamily, mixed-use, retail, office and industrial across the metro: from 7.90%, up to 70% LTV, on 1, 2, 3 and 15 year terms. FROM 7.90% · LTV 70% · 1-15 YR
  6. OWNER OCCUPIED LOANS Bridge loans on the home you live in, from 10.50% at up to 70% of the purchase price, plus VA Elite and VA IRRRL loans for Los Angeles veterans. FROM 10.50% · LTV 70% · 11-12 MO
  7. BANK FINANCING Bank statement, P&L-only and SBA programs for business owners and the self-employed. TERMS 5 TO 30 YR
  8. SECOND & THIRD MORTGAGES Second and third lien loans behind a first mortgage worth keeping, quoted per property. 12-36 MO · BUSINESS PURPOSE
  9. BLANKET / CROSS-COLLATERAL LOANS One loan across several Los Angeles properties, cross-collateralized when the pool carries the deal. FROM 8.99% · 1-3 YR

© PROPERTY TYPES LOS ANGELES · CA

PROPERTY TYPES WE FINANCE IN LOS ANGELES

ALL PROPERTY TYPES

© THE APPROACH LOS ANGELES · CA

HOW WE LEND IN LOS ANGELES

Los Angeles has more hard money lenders than any market we serve, and most of them differ only in the colour of the rate sheet. The table below is where Loan Goat differs in kind: leverage that reaches the published maximum, a process measured in days, capital that is reliable enough to commit to a date, a document list you can assemble in an afternoon, processing done in-house, and rates that reflect the deal.

When banks say no, we say yes; when the numbers do not work, we say that before you spend on an appraisal. Less requirements, more closings is the operating rule, not the tagline.

© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS

LOS ANGELES BORROWERS, IN THEIR WORDS

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  • This is my first experience dealing with Milad Shamoun & Blair Noble at Loan Goat. Very professional, accommodating and focused on obtaining results. Over my years I have dealt with various types of Intuitional and Private Lenders. Loan Goat stacks up with the best.

    RAYMOND HERRERA

  • 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

  • Working with Loan Goat has been an absolute game-changer in my home-buying journey! From the start, Milad, brought a level of expertise and care that made the process smooth and stress-free. His team's dedication to customer service is...

    ALIZE RIOS

  • This is my first experience dealing with Milad Shamoun & Blair Noble at Loan Goat. Very professional, accommodating and focused on obtaining results. Over my years I have dealt with various types of Intuitional and Private Lenders. Loan Goat stacks up with the best.

    RAYMOND HERRERA

  • 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

  • Working with Loan Goat has been an absolute game-changer in my home-buying journey! From the start, Milad, brought a level of expertise and care that made the process smooth and stress-free. His team's dedication to customer service is...

    ALIZE RIOS

© QUESTIONS LOS ANGELES · CA

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.

© WHERE WE LEND LOS ANGELES · CA

LOS ANGELES, ROUTED FROM SAN DIEGO HQ.

  • 1.3K+CLOSED LOANS SINCE 2022
  • $1.5B+LOANS FUNDED ACROSS 46 STATES
  • Lending footprint, 46 states
  • Home markets: California and Arizona
  • San Diego headquarters
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© GET A QUOTE LOS ANGELES · CA

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