© WHERE WE LEND NORTH COUNTY · CA
HARD MONEY LENDER NORTH COUNTY SAN DIEGO
Hard money and private money loans for North County investors in Carlsbad, Oceanside, Escondido and the coastal and inland cities around them, from our San Diego office.
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
North County is the half of San Diego County that our office looks up the freeway toward: Carlsbad, Oceanside, Encinitas, Solana Beach and Del Mar on the coast, Rancho Santa Fe between them, and Escondido, Vista, San Marcos and Poway inland. Loan Goat lends across all of it on non-owner occupied property, from coastal single-family flips and furnished rentals to the small multifamily and commercial buildings of the inland cities.
The programs run at the published terms: the bridge loan from 9.00% to 13.00%, up to 75% LTV and $25,000,000, fix and flip 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, and the rental DSCR loan from 6.50% up to 80% LTV on 30 and 40 year fixed terms, short term rental income permitted. The team that underwrites and closes North County loans is the one at 3030 El Cajon Blvd that answers (619) 617-2797; the property is a short drive from the desk that approves it.
© NORTH COUNTY SAN DIEGO MARKETS NORTH COUNTY · CA
EVERY NORTH COUNTY SAN DIEGO MARKET WE LEND IN
North County San Diego 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.
- Oceanside San Diego County, out to Carlsbad, Escondido, Temecula.
- Escondido San Diego County, out to Carlsbad, Oceanside, El Cajon.
- Carlsbad San Diego County, out to Oceanside, Escondido, Temecula.
- Vista San Diego County, out to Oceanside, Carlsbad, San Marcos.
- San Marcos San Diego County, out to Escondido, Vista, Carlsbad.
- Encinitas San Diego County, out to Carlsbad, Solana Beach, Del Mar.
- Poway San Diego County, out to Rancho Bernardo, Escondido, San Marcos.
- Del Mar San Diego County, out to Solana Beach, Carmel Valley, Encinitas.
- Solana Beach San Diego County, out to Del Mar, Encinitas, Rancho Santa Fe.
- Fallbrook San Diego County, out to Bonsall, Vista, Valley Center.
- Bonsall San Diego County, out to Fallbrook, Vista, Oceanside.
- Valley Center San Diego County, out to Escondido, Fallbrook, Bonsall.
- Rancho Santa Fe San Diego County, out to Solana Beach, Del Mar, Encinitas.
© THE COST NORTH COUNTY · CA
WHAT DO NORTH COUNTY SAN DIEGO HARD MONEY LOANS COST
A North County hard money loan costs interest, origination points and third-party closing costs. The starting rates and maximum leverage in the table are the ones on Loan Goat's program pages; points and fees are quoted on the Letter of Intent, because they depend on the loan size, the leverage and the property.
| 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, and rehab interest is non-Dutch, charged on the drawn balance only. For larger coastal assets, the bridge loan reaches $25,000,000 at up to 75% LTV with rates from 9.00%, and a clean file can close in as quickly as 3 days.
© WHY LOAN GOAT NORTH COUNTY · CA
WHY LOAN GOAT IN NORTH COUNTY SAN DIEGO
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Loan Goat is a San Diego company: the office is in the same county as the property, and the team has closed 1.3K+ loans since 2022, funded $1.5B+ across 46 states and earned a 5.0 Google rating with 150+ reviews. The four-step process closes in 5-7 days because processing is done in-house; the hard money bridge products can close in as quickly as 3 days.
Range is the second reason. An Oceanside flip becomes a DSCR rental at the end of the rehab, a Carlsbad or Encinitas furnished rental qualifies on its own income, a Poway or Escondido fourplex goes on the multifamily and commercial programs, and a San Marcos business owner uses the bank statement program for the home while the investment loans run on the property. One lender, every stage.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
© LOAN SCENARIOS NORTH COUNTY · CA
MOST COMMON NORTH COUNTY SAN DIEGO LOAN SCENARIOS
- 1031 EXCHANGE Exchange buyers replacing a sold property with a North County acquisition bridge the purchase inside the deadline and refinance afterward.
- AUCTION & HUBZU Online auction wins from Oceanside to Poway close on a bridge or fix and flip loan approved before the bid.
- BANKRUPTCY BUYOUT Investors exiting a bankruptcy with equity in a North County rental need business-purpose capital that looks at the asset first.
- BANK STATEMENT LOANS Self-employed North County buyers qualify on 12-24 months of bank statements on Non-QM loans from $200,000 to $10,000,000, with no tax returns or W2s required.
- FORECLOSURE AUCTION Trustee's sale buyers in the county line up proof of funds and a hard money bridge that closes in as quickly as 3 days.
- FOREIGN NATIONAL Buyers without U.S. credit can use the DSCR program for coastal or inland rentals, where DTI is not calculated.
- NON-WARRANTABLE CONDOS Coastal condo buildings that fail conventional review are permitted on the rental DSCR loan.
- SELF-EMPLOYED Business owners borrow on the property for investments and on bank statements or a P&L for the home.
- VACATION RENTAL Furnished rentals in Carlsbad, Oceanside, Encinitas and Del Mar qualify on the DSCR loan with short term rental income permitted.
- CASH OFFERS ONLY Cash-only listings across North County close on a hard money bridge with no appraisal needed in some cases.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN NORTH COUNTY SAN DIEGO
- 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 NORTH COUNTY · CA
PROPERTY TYPES WE FINANCE IN NORTH COUNTY SAN DIEGO
- MULTI-FAMILY Duplexes to apartment buildings in Escondido, Vista, San Marcos and Oceanside on bridge, DSCR and commercial programs.
- MIXED-USE Retail-over-residential buildings in the coastal and inland downtowns, up to 70% LTV.
- RETAIL Strip centers and free-standing retail with a repositioning or refinance plan.
- OFFICE Medical office and small office buildings, including cash-out to renovate.
- INDUSTRIAL & WAREHOUSE Flex and light industrial in Carlsbad, Vista and San Marcos, purchase, refinance and cash-out.
- HOSPITALITY: HOTEL & MOTEL Motel and boutique hotel repositioning along the coast, bridged to an SBA or conventional exit.
© THE APPROACH NORTH COUNTY · CA
HOW WE LEND IN NORTH COUNTY SAN DIEGO
The comparison table is the operating rulebook: high leverage, speed to close, reliable capital, low-doc requirements, in-house processes, lower rates where the deal earns them. When banks say no, we say yes; when a North County deal does not pencil, we say so before the appraisal is ordered.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
NORTH COUNTY SAN DIEGO 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 -
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 -
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 -
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 -
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 -
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
© QUESTIONS NORTH COUNTY · CA
NORTH COUNTY SAN DIEGO 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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All of North County San Diego. The cities we see most are Carlsbad, Oceanside, Escondido, Vista, San Marcos, Encinitas, Solana Beach, Del Mar, Rancho Santa Fe and Poway. Loans are underwritten and closed from the Loan Goat office at 3030 El Cajon Blvd, San Diego.
Hard money lender San Diego -
Yes. The rental DSCR loan permits short term rental income and ADU income, goes up to 80% LTV from 6.50% on 30 and 40 year fixed terms with no prepayment penalty, so a furnished rental in Carlsbad, Oceanside, Encinitas or Del Mar can qualify on what it earns.
Vacation rental financing -
Non-owner occupied residential (SFR, condo and townhome, 2-4 units) on the bridge, fix and flip, construction and DSCR programs; multifamily, mixed-use, retail, office, industrial and hospitality on the commercial and hard money commercial bridge programs. Owner-occupied homes follow the VA and bank statement programs.
Property types we finance -
Rates run from 9.00% to 13.00% on the bridge loan, 9.99% to 12.00% on fix and flip, 6.50% to 9.99% on the Non-QM rental loan and from 7.90% on commercial for qualified borrowers, and construction is priced per project; points and closing costs are quoted on the Letter of Intent. Rates are subject to change and are not a commitment to lend.
Read the pricing guide -
The standard is 5-7 days from application to funding; the hard money residential bridge can close in as quickly as 3 days. The office, escrow and the property are in the same county.
How borrowing works -
Credit is one input. The bridge loan floor is 650, fix and flip is 620 and ground-up construction is 600, and the file is underwritten on the property and the exit rather than on the score alone.
Bridge loan requirements -
Yes, on every loan, read alongside the property, the equity and the exit rather than as a gate.
Borrower FAQ -
Owner-occupied loans are consumer loans with their own rules. The VA Elite and VA IRRRL programs serve veterans on a primary residence, and the interest-only bridge states owner occupied OK. Tell us how the property will be used.
Owner occupied loans -
Request a quote on this page, apply online, or call (619) 617-2797 with the address, the price or value, the loan amount and the exit.
Apply now
© WHERE WE LEND NORTH COUNTY · CA
NORTH COUNTY SAN DIEGO, 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 NORTH COUNTY · CA
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(619) 617-2797
