© WHERE WE LEND SAN DIEGO · CA
HARD MONEY LENDER SAN DIEGO
Private and hard money loans for investors in Downtown, La Jolla, Chula Vista and every neighborhood in between, underwritten and closed from our office at 3030 El Cajon Blvd.
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
San Diego is where Loan Goat started and where the company still sits. The office is at 3030 El Cajon Blvd in North Park, which means the people who underwrite your loan drive the same streets you are buying on. We lend across the whole county: Downtown high-rise condos and the older housing stock of Hillcrest and Mission Hills, the coastal markets of La Jolla, Pacific Beach, Point Loma, Coronado and Del Mar, the South Bay from Chula Vista to Eastlake, and the East County cities of La Mesa, El Cajon and Spring Valley, up to Rancho Bernardo in the north.
What we fund is investment real estate: a purchase that has to close before a bank could open the file, a rehab that needs the construction money released in draws, a refinance that pulls equity out of a property you already own, or a rental that qualifies on its own rent instead of your tax returns. Loan Goat writes bridge loans, fix and flip loans, ground-up construction loans, rental DSCR loans and commercial loans, and the terms below are the ones published on our program pages, not a range invented for this page.
If you already know what you need, request a quote or call (619) 617-2797 and a lending advisor will talk through the deal the same day. If you are still deciding between programs, keep reading: this page walks through what a San Diego hard money loan costs, why investors choose Loan Goat, the scenarios we see most often here, and the questions borrowers ask before they call.
© SAN DIEGO MARKETS SAN DIEGO · CA
EVERY SAN DIEGO MARKET WE LEND IN
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.
- Chula Vista San Diego County, out to El Cajon, Escondido, Carlsbad.
- El Cajon San Diego County, out to Chula Vista, Escondido, Carlsbad.
- La Mesa San Diego County, out to El Cajon, Spring Valley, Lemon Grove.
- Santee San Diego County, out to El Cajon, Lakeside, La Mesa.
- National City San Diego County, out to Chula Vista, Barrio Logan, Imperial Beach.
- Coronado San Diego County, out to Imperial Beach, Point Loma, Little Italy.
- Imperial Beach San Diego County, out to Coronado, National City, Chula Vista.
- Lemon Grove San Diego County, out to La Mesa, Spring Valley, El Cajon.
- Spring Valley San Diego County, out to La Mesa, Lemon Grove, Rancho San Diego.
- Rancho San Diego San Diego County, out to El Cajon, Spring Valley, Jamul.
- Lakeside San Diego County, out to Santee, El Cajon, Alpine.
- Alpine San Diego County, out to Lakeside, El Cajon, Jamul.
- Ramona San Diego County, out to Poway, Lakeside, Escondido.
- Jamul San Diego County, out to Spring Valley, Rancho San Diego, Alpine.
- Bonita San Diego County, out to Chula Vista, National City, Spring Valley.
- Julian San Diego County, out to Ramona, Santa Ysabel, Alpine.
- Pine Valley San Diego County, out to Alpine, Julian, Lakeside.
- Borrego Springs San Diego County, out to Julian, Ramona, Santa Ysabel.
- Santa Ysabel San Diego County, out to Julian, Ramona, Borrego Springs.
- La Jolla San Diego County, out to Pacific Beach, University City, Torrey Pines.
- Pacific Beach San Diego County, out to Mission Beach, La Jolla, Ocean Beach.
- Ocean Beach San Diego County, out to Point Loma, Mission Beach, Pacific Beach.
- Point Loma San Diego County, out to Ocean Beach, Little Italy, Coronado.
- Mission Beach San Diego County, out to Pacific Beach, Ocean Beach, Point Loma.
- North Park San Diego County, out to South Park, Normal Heights, Hillcrest.
- South Park San Diego County, out to Golden Hill, North Park, Barrio Logan.
- Golden Hill San Diego County, out to South Park, Barrio Logan, Little Italy.
- Hillcrest San Diego County, out to North Park, Little Italy, Mission Valley.
- Normal Heights San Diego County, out to Kensington, North Park, City Heights.
- Kensington San Diego County, out to Normal Heights, University Heights, College Area.
- City Heights San Diego County, out to Normal Heights, College Area, North Park.
- College Area San Diego County, out to City Heights, Kensington, La Mesa.
- University Heights San Diego County, out to Hillcrest, North Park, Normal Heights.
- Clairemont San Diego County, out to Pacific Beach, Linda Vista, Mission Valley.
- Linda Vista San Diego County, out to Clairemont, Mission Valley, Old Town.
- Mission Valley San Diego County, out to Hillcrest, Old Town, Linda Vista.
- Serra Mesa San Diego County, out to Mission Valley, Clairemont, Tierrasanta.
- Kearny Mesa San Diego County, out to Serra Mesa, Clairemont, Mira Mesa.
- Tierrasanta San Diego County, out to Mission Valley, Serra Mesa, Kearny Mesa.
- Mira Mesa San Diego County, out to Scripps Ranch, Sorrento Valley, Rancho Penasquitos.
- Scripps Ranch San Diego County, out to Mira Mesa, Rancho Penasquitos, Poway.
- Rancho Bernardo San Diego County, out to Poway, Rancho Penasquitos, Escondido.
- Rancho Penasquitos San Diego County, out to Mira Mesa, Scripps Ranch, Rancho Bernardo.
- Carmel Valley San Diego County, out to Del Mar, Torrey Pines, Rancho Penasquitos.
- University City San Diego County, out to La Jolla, Clairemont, Sorrento Valley.
- Sorrento Valley San Diego County, out to Mira Mesa, University City, Torrey Pines.
- Torrey Pines San Diego County, out to La Jolla, Carmel Valley, Del Mar.
- Old Town San Diego County, out to Mission Valley, Little Italy, Point Loma.
- Little Italy San Diego County, out to Golden Hill, Hillcrest, Point Loma.
- Barrio Logan San Diego County, out to Golden Hill, National City, South Park.
- Otay Mesa San Diego County, out to San Ysidro, Chula Vista, Imperial Beach.
- San Ysidro San Diego County, out to Otay Mesa, Imperial Beach, Chula Vista.
- Encanto San Diego County, out to Lemon Grove, Spring Valley, Barrio Logan.
- San Carlos San Diego County, out to Tierrasanta, La Mesa, Santee.
© THE COST SAN DIEGO · CA
WHAT DO SAN DIEGO HARD MONEY LOANS COST
Every hard money loan has the same three cost layers: the interest rate, the origination points, and the third-party closing costs such as escrow, title and an appraisal where one is required. Loan Goat publishes its starting rates on every program page, and those are the figures in the table below. Points and fees are quoted on the Letter of Intent for the specific deal, because they depend on the loan size, the leverage and the property, and we would rather show you a real number than a range that means nothing.
The starting rate is exactly that: the rate a qualified borrower with a clean deal can reach. Where a specific San Diego loan prices depends on leverage, credit, experience, the property type and the exit. A first lien on a stabilized duplex in Chula Vista with 40% equity and a documented refinance exit is priced differently from a heavy rehab in El Cajon at maximum leverage. Both can be funded; they are not the same loan.
| 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.
Two things keep the total cost of a Loan Goat loan lower than the rate alone suggests. First, the bridge loan, the fix and flip loan, the ground-up construction loan and the rental DSCR loan all carry no prepayment penalty, so a project that finishes early stops paying interest early. Second, on rehab and construction loans the interest is non-Dutch: it is calculated on the drawn balance, so you are not paying for holdback money that is still sitting with us.
For a San Diego property with a matured loan or a notice of default attached, the bridge loan is the honest option: it is underwritten on the property and the exit, with a 650 minimum score, up to 75% LTV and rates from 9.00% to 13.00%, and a clean file can close in as quickly as 3 days. When the deal supports it, that is the loan that saves the deal.
© WHY LOAN GOAT SAN DIEGO · CA
WHY LOAN GOAT IN SAN DIEGO
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
The plain answer is that we are here. Loan Goat is a San Diego company with a physical office at 3030 El Cajon Blvd, San Diego, CA 92104, a phone that is answered, and a team that has closed 1.3K+ loans since 2022 and funded $1.5B+ across 46 states. The Google rating is 5.0 with 150+ reviews, and the review Alex Teleford left after closing two loans in under ten days says it plainly: "Best hard money lender hands down in San Diego". You can read every review on the Google listing; we do not edit them.
The second answer is the process. Four steps: complete your application, submit required documentation, sign your Letter of Intent, and we process and close your loan in 5-7 days. In-house processing means the person who took your call is the person who chases title and escrow, and the decision on your file is made in the same building. That is what "less requirements, more closings" means in practice: fewer documents than a bank asks for, and a lender who tells you yes or no before your contingency period runs out.
The third answer is range. Because Loan Goat writes bridge, fix and flip, construction, rental DSCR, commercial and bank financing loans, a borrower who outgrows one program does not have to find a new lender. A flip in Spring Valley can become a rental DSCR loan at the end of the rehab; a portfolio of Pacific Beach rentals can consolidate into one loan; a bridge purchase in Rancho Bernardo can be refinanced when the property stabilizes. One relationship, 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
WHERE GOATS ARE.
The office, the underwriting and most of the closings happen within a short drive of each other. That proximity is the difference between a lender who reads your file and one who knows your block.
© LOAN SCENARIOS SAN DIEGO · CA
MOST COMMON SAN DIEGO LOAN SCENARIOS
- 1031 EXCHANGE When the 45-day identification clock is running on a San Diego exchange, a bridge loan closes the replacement property on time and gets refinanced once the exchange is complete.
- AUCTION & HUBZU Online auction wins in the county come with short settlement windows; bridge, fix and flip and DSCR loans let you bid with financing you already know will fund.
- BANKRUPTCY BUYOUT Investment-property owners exiting a Chapter 7 or 13 need business-purpose capital; Loan Goat looks at the equity and the exit before the credit history.
- BANK STATEMENT LOANS Self-employed San Diego 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 sales in San Diego County settle fast; the hard money residential bridge can close in as quickly as 3 days for buyers who plan ahead.
- FOREIGN NATIONAL Buyers without U.S. credit who target Downtown or coastal condos can look at the DSCR program, where DTI is not calculated and large deposits do not need to be sourced.
- NON-WARRANTABLE CONDOS Downtown and Pacific Beach buildings that fail conventional review are permitted on the rental DSCR loan, and bridge loans accept condo and townhome collateral.
- SELF-EMPLOYED Business owners from Hillcrest to Eastlake are the borrowers Loan Goat serves most: investor loans are underwritten on the property, and the bank statement and P&L-only programs cover the home.
- VACATION RENTAL Short term rental income is permitted on the rental DSCR loan, which is how coastal furnished rentals in Pacific Beach, Point Loma and Coronado get long-term financing.
- CASH OFFERS ONLY Cash-only listings across the county can be bought with a hard money bridge that closes in as quickly as 3 days and needs no appraisal in some cases.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN SAN DIEGO
- BRIDGE LOANS Purchases, recapitalizations and stabilizations across San Diego 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
- FIX & FLIP LOANS Renovation loans on SFR, condo, townhome and 2-4 unit properties from North Park to Chula Vista: up to 85% of the purchase and 100% of the rehab, first time flippers allowed. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up builds and ADU-scale infill for experienced builders: up to 80% LTC, 12 to 18 month terms, flexible draws, interest on the drawn balance only. LTC 80% · 12-18 MO
- RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the rent: from 6.50%, up to 80% LTV, 5, 7, 30 and 40 year fixed terms. FROM 6.50% · LTV 80% · 30 YR
- 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
- 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 the county's veterans. FROM 10.50% · LTV 70% · 11-12 MO
- BANK FINANCING Bank statement, P&L-only and SBA programs for San Diego business owners the standard mortgage box does not fit. TERMS 5 TO 30 YR
- SECOND & THIRD MORTGAGES Second and third lien loans behind a first mortgage worth keeping; terms quoted per property. 12-36 MO · BUSINESS PURPOSE
- BLANKET / CROSS-COLLATERAL LOANS One loan across several San Diego properties when a single asset will not carry the deal; cross collateralization and earn outs are structures we use. FROM 8.99% · 1-3 YR
© PROPERTY TYPES SAN DIEGO · CA
PROPERTY TYPES WE FINANCE IN SAN DIEGO
- MULTI-FAMILY Duplexes to 2-200 unit apartment buildings from North Park to the South Bay, on bridge, DSCR and commercial programs.
- MIXED-USE Retail below, residential above, the corner-lot buildings along the county's older commercial streets, financed up to 70% LTV.
- RETAIL Strip centers and free-standing retail with a value-add plan, on the commercial and hard money commercial bridge programs.
- OFFICE Medical office and small office buildings, including cash-out to renovate and bank-fallout purchases.
- INDUSTRIAL & WAREHOUSE Warehouse, flex and light industrial from El Cajon and Spring Valley outward, purchase, refinance and cash-out.
- HOSPITALITY: HOTEL & MOTEL Motel and boutique hotel repositioning with an SBA or conventional exit, bridged while the work is done.
- SELF-STORAGE Storage facilities bridged to construction completion or to the next acquisition.
© THE APPROACH SAN DIEGO · CA
HOW WE LEND IN SAN DIEGO
Most lenders in San Diego sell the same thing in different words. The table is how Loan Goat draws the line: high leverage instead of low, speed to close instead of a slow process, reliable capital instead of strict underwriting, low-doc requirements instead of a document list, in-house processes instead of active loan limits, and lower rates where the deal earns them. Every row is a decision about how the company is run, not a slogan.
What that looks like on a San Diego file: the application goes in, the documents are a short list, the Letter of Intent states every cost, and the loan closes in 5-7 days. When banks say no, we say yes, and when a deal does not work we say that too, before you spend money on an appraisal.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
SAN DIEGO 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 -
The Loan GOAT saved the day! A deal started to go south with a traditional bank despite there being no true issue. Milad having a true understanding of how to get help we are clear to close in 15 business days. Maricruz was the star in this,...
ALEXIS REYES -
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 -
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 -
The Loan GOAT saved the day! A deal started to go south with a traditional bank despite there being no true issue. Milad having a true understanding of how to get help we are clear to close in 15 business days. Maricruz was the star in this,...
ALEXIS REYES -
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
© QUESTIONS SAN DIEGO · CA
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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Loan Goat Inc. is at 3030 El Cajon Blvd, San Diego, CA 92104, in North Park. Call or text (619) 617-2797, or email Loans@LoanGoatInc.com. Loans are underwritten and processed from this office; borrowers across the county and the rest of California and Arizona work with the same team.
Contact and directions -
All of San Diego County. The areas we see most are Downtown, North Park, Hillcrest and Mission Hills in the central city; La Jolla, Pacific Beach, Point Loma, Coronado and Del Mar on the coast; Chula Vista and Eastlake in the South Bay; La Mesa, El Cajon and Spring Valley in East County; and Rancho Bernardo to the north. North County cities have their own page.
North County San Diego -
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 land on the commercial and hard money commercial bridge programs. Owner-occupied homes are consumer loans and go through the VA and bank statement programs instead.
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, with points and closing costs quoted on the Letter of Intent. Several programs carry no prepayment penalty and rehab interest is charged on the drawn balance only. 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, and the hard money residential bridge can close in as quickly as 3 days when title and valuation cooperate. Being local helps: the office, escrow and the property are all in the same county.
How borrowing works -
Credit is one input, not the decision. 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. Bring the story, the equity and the exit.
Bridge loan requirements -
Yes, a credit report is pulled on every loan, but it is read alongside the property, the equity and the exit rather than as a pass or fail gate. A low score with a strong deal still gets a conversation, and the hard money bridge products exist for exactly that borrower.
Borrower FAQ -
Owner-occupied loans are consumer loans with their own rules and timelines. Loan Goat's VA Elite and VA IRRRL programs serve veterans buying or refinancing a primary residence, and the interest-only bridge states owner occupied OK. Tell us how the property will be used and we route it to the right program.
Owner occupied loans -
Request a quote on this page, apply online, or call (619) 617-2797. Send the property address, the purchase price or value, the loan amount you need and your plan for the exit; a lending advisor from our firm will reach out with terms.
Apply now -
Interest, origination points and third-party closing costs. Loan Goat's published starting rates are on the program pages and in the table above; points and fees are quoted per deal. The pricing guide explains what pushes a rate up or down.
Pricing guide
© WHERE WE LEND SAN DIEGO · CA
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 SAN DIEGO · CA
SUBMIT A LOAN REQUEST
Please fill the form below and a lending advisor from our firm will reach out.
Or just give us a call now
(619) 617-2797
