© WHERE WE LEND OCEAN BEACH · CA
HARD MONEY LENDER OCEAN BEACH
A direct lender for Ocean 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
Ocean Beach is the county's most protected beach neighborhood, with a thirty-foot height limit, a strong community plan and a housing stock that has barely changed shape in sixty years. That constraint is exactly what keeps values firm.
Ocean Beach sits in San Diego County, California, and Loan Goat lends on investment property across the whole of it. The same programs run in Point Loma, Mission Beach and Pacific Beach, so an investor working a corridor rather than a single ZIP code keeps one lender, one quote format and one set of terms across every file.
Loan Goat is a direct private lender, not a broker, headquartered in San Diego and funding across 46 states. An Ocean Beach borrower deals with the lender itself, not a broker shopping the file, which is the difference between a quote you can act on and a quote that needs a second opinion.
© THE COST OCEAN BEACH · CA
WHAT DO OCEAN BEACH HARD MONEY LOANS COST
Cost on an Ocean Beach file is a function of the deal, not the market. Bridge opens at 9.00%. Residential runs to 75% LTV and commercial to 70%, on one or two year terms, and a clean file closes in 3 to 14 days.
The written quote comes before the appraisal, and it holds. For an Ocean Beach deal on a clock, that is the difference between a real number and an indication. Prepay is free on the bridge programs, which matters when the plan is to be out inside a year.
| 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 are the published ranges, not a teaser. Where an Ocean Beach deal lands inside them depends on the property, the leverage and the exit. The fastest way to a real number is the address, the price and the plan.
© WHY LOAN GOAT OCEAN BEACH · CA
WHY LOAN GOAT IN OCEAN 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 Ocean 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.
Beach cottages and bungalows on small lots, older small apartment buildings, and independent commercial along Newport Avenue. None of that is unusual here; it is the normal book.
Cottage renovation within the height limit, small multi-family value-add, and commercial bridge on Newport. Bridge covers the acquisition, fix and flip covers the work and the rental program takes it out.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
OCEAN BEACH DEALS, FUNDED FROM SAN DIEGO.
San Diego 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 OCEAN BEACH · CA
MOST COMMON OCEAN BEACH LOAN SCENARIOS
- 1031 EXCHANGE Bridge money that lets an Ocean Beach replacement property close inside the 45 and 180 day windows.
- AUCTION & HUBZU Ocean Beach auction buys where the deposit is up and the clock is already running.
- BANKRUPTCY BUYOUT Buying out a partner or a plan on Ocean Beach real estate, funded on the equity in the asset.
- BANK STATEMENT LOANS Deposits instead of tax returns for self-employed buyers working San Diego County.
- FORECLOSURE AUCTION Courthouse and trustee sale purchases in San Diego County, funded on the asset and the plan.
- FOREIGN NATIONAL Foreign national buyers acquiring Ocean Beach investment property without a US credit file.
- NON-WARRANTABLE CONDOS Non-warrantable San Diego County condo units where the HOA or the investor concentration killed the conventional loan.
- SELF-EMPLOYED Business owners buying in Ocean Beach whose write-offs make a bank file impossible.
- VACATION RENTAL Ocean Beach vacation rental purchases where the projected income does the work.
- CASH OFFERS ONLY Sellers in Ocean 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 OCEAN 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 OCEAN BEACH · CA
PROPERTY TYPES WE FINANCE IN OCEAN BEACH
- MIXED-USE Retail-over-residential buildings in Ocean Beach commercial corridors, up to 70% LTV.
- RETAIL Strip centers and free-standing retail in San Diego County with a repositioning plan.
- OFFICE Ocean Beach office assets being repositioned or bridged to a conventional exit.
- AGRICULTURAL Agricultural land and operations outside Ocean Beach underwritten on the asset.
- CANNABIS Cannabis-use property in Ocean Beach where conventional lenders will not participate.
- AUTOMOTIVE & GAS STATION San Diego County fuel and automotive sites, purchase and refinance.
© THE APPROACH OCEAN BEACH · CA
HOW WE LEND IN OCEAN BEACH
Read the table as a promise rather than a pitch. On an Ocean Beach deal it means the leverage quoted is the leverage funded, the timeline quoted is the timeline delivered, and the person who priced the file is the person who releases the money.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
OCEAN 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 -
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 -
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 -
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
© QUESTIONS OCEAN BEACH · CA
OCEAN 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 Ocean Beach and across San Diego 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 Ocean 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 an Ocean 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 San Diego County. Owner-occupied has its own program. If the Ocean Beach asset produces or will produce value, there is usually a structure for it.
Property types -
Yes, and it should shape your plan before you buy. The coastal height limit and the community plan restrict what a redevelopment can be, so the money in Ocean Beach is usually made renovating within the existing envelope. We underwrite the plan you can actually permit.
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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 -
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 OCEAN BEACH · CA
OCEAN 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 OCEAN BEACH · CA
SUBMIT A LOAN REQUEST
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Or just give us a call now
(619) 617-2797
