Chula Vista
Hard Money Lender

Wilshire Quinn is a Chula Vista hard money lender with offices in San Diego, Los Angeles and San Francisco. We lend on commercial and residential real estate from $200,000 to $10M. We know that time is of the essence for borrowers who may be seeking a bridge loan or hard money loan in Chula Vista. That’s why Wilshire Quinn will work with you to fund your loan in 5-7days. Whether it is a purchase, refinance, cash out, or a multiple property loan; you can count on trusted Chula Vista hard money lender, Wilshire Quinn.

619.872.6000 |

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    Hard Money Lenders (Home) » Chula Vista hard money lender

    What is a Hard Money Loan?

    A hard money loan is a short-term loan also known as a bridge loan, that is used until a person or company either secures permanent financing or removes the obligation through the sale of the property. Hard money loans generally have higher interest rates than conventional or bank loans, and are written for shorter periods of time. Typical hard money loans or bridge loans are 12 to 18 months in length. Wilshire Quinn finances Chula Vista hard money loans not exceeding 60% of the appraised value of the property securing the loan.

    Who Typically Uses a Hard Money Loan

    • Business owners looking to pull cash out of existing properties
    • People who want to close quickly
    • Borrowers who have multiple properties looking to cross collateralize
    • Investors looking to purchase rental properties
    • Investors who buy, repair, and immediately resell their property (Flippers)
    • Borrowers who cannot refinance with a traditional bank
    • Builders and more…
    Chula Vista hard money lender - Real EstateChula Vista hard money lender - Average RentsChula Vista Hard Money Lender - Bayfront ExpansionChula Vista hard money lender - homes

    Chula Vista Hard Money Lender – financing your residential & commercial real estate investments

    Chula Vista is the second largest city in the San Diego metropolitan area and the seventh largest city in Southern California. Located southeast of downtown San Diego and just 7 miles from the Mexican border, the city is at the center of one of the richest economic and culturally diverse zones in the United States

    Recent statistics show that investing in Chula Vista real estate might be a safe bet. The economy has steadily bounced back in Chula Vista since the 2008 recession. 67.8% of the population in Chula Vista have white collar jobs and the year-over-year change for rentals in Chula Vista is +5%.

    • The majority of Californians rent rather than owning, making purchasing a rental property a good business
    • Homes with 2-3 bedrooms are the easiest to rent
    • The average family size in Chula Vista is 3.33
    • Y-o-Y change for a 3 bedroom in Chula Vista is 4% (average rent $2,317)
    Looking to buy a rental property? Consider working with a Chula Vista Hard Money Lender

    The cost of living in Chula Vista has continued to increase over the past 10 years making home ownership difficult for people. Many Americans desire the single-family home lifestyle but just cannot afford to buy into it. Also, Millenials are delaying getting married and have massive school debt, and are not buying real estate. The number of Americans renting is incredibly high, leaving a great investment opportunity in rental income properties.

    Rental properties have recently created a stable vehicle for investing money and creating wealth. As many look to purchase an investment rental property, some look for a Chula Vista hard money lender to finance their real estate purchase. Unlike traditional lenders, private money lenders focus more upon on the equity in a property relative to the borrower’s credit score. The underwriting and funding process can take place in a matter of days instead of weeks or months. Wilshire Quinn continues to fund hard money loans in Chula Vista and across the nation.

    Asset Based Lending

    Asset based lending means we base our loan amounts on the value of real estate, such as an investment property, multifamily building, or commercial building, rather than strictly on your credit score and debt to income levels. Wilshire Quinn takes pride in our common sense equity based lending. Wilshire Quinn is a Chula Vista hard money lender, with experience lending nationwide. As an experienced hard money lender we can handle even the most complicated of lending scenarios and care more about the real estate that you are purchasing or refinancing than inflexible bank requirements.

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    Know Our Borrowers

    Chula Vista Hard Money Lender – Offices in San Diego, Los Angeles and San Francisco

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    F.A.Q’s – Hard Money Loans 101

    A hard money loan is a real estate-backed loan where a borrower receives funds secured by equity in their property (or properties). Hard money lenders like Wilshire Quinn are mainly focused on the equity in the property as opposed to borrower credit and financials. Hard money loans are typically short-term ranging from six months up to two years.

    Hard money lenders like Wilshire Quinn primarily focus on a property’s equity to secure the loan. The borrower’s credit is considered, but is not a primary determinant in the underwriting process.

    After receiving a signed term sheet, Wilshire Quinn typically funds a loan in five to seven business days.

    Wilshire Quinn will consider a wide variety of property types including: office, retail centers, industrial, hotels, parking lots/structures, condo inventory, entitled land, multifamily properties, non-owner-occupied single-family homes, vacation homes and rentals, primer loans and bridge loans.

    We will consider a wide variety of loan types including: purchase, refinance, cash-out refinance, partnership buyouts, rehabs, 1031 exchanges and value-added acquisitions.

    You can either complete our online loan application, email or call us. We would prefer to talk through your loan scenario directly, as we can determine in a matter of minutes, once we have a few simple questions answered, if we have interest.

    Our interest rates typically range from 8.5% to 10.5%, interest-only. Lender origination points typically range from 1% to 5% of the loan amount. The borrower pays for standard closing costs (title, escrow, legal).

    Most of our portfolio is in California but we do have the ability to lend nationwide. We strongly prefer to lend in major-metropolitan areas.

    Trusted Chula Vista Hard Money Lender

    Ready to Finance a Real Estate Investment?

    At Wilshire Quinn we control the lending process and can provide fast answers and quick closings for your hard money lending needs. We are a direct lender which means we can fund hard money loans fast. We lend private hard money loans in Chula Vista, Otay Ranch and San Diego up to $10M with funding available in about 5-7 days.

    Submit Loan Request

    Recently Funded Hard Money Loan Transactions

    Chula Vista Hard Money Lender San Diego deal

    Loan Amount: $1,350,000
    Loan Type:  Rehab
    Property Type: Single Family
    Loan-To-Value: 60%
    Term: 12 Months

    Chula Vista Hard Money Lender - North Park Deal
    San Diego, CA.

    Loan Amount: $2,500,000
    Loan Type:  Purchase / Rehab
    Property Type: Multi-Family
    Loan-To-Value: 60%
    Term: 12 Months

    Chula Vista Hard money Lender - San Diego deal
    San Diego, CA

    Loan Amount: $720,000
    Loan Type:  Purchase / Blanket
    Property Type: Multi-Family
    Loan-To-Value: 51%
    Term: 12 Months

    Call us now at 619.872.6000 and speak directly to a decision maker. Get a pre-approval from a Chula Vista hard money lender within 24 hours and funding in about 5-7 days.

    Chula Vista hard money lender - Wilshire Quinn Logo

    Wilshire Quinn Capital, Inc.
    2550 Fifth Avenue, Suite 1070
    San Diego, CA 92103

    P: (619) 872-6000
    F: (619) 872-6010

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    Customer Service

    At Wilshire Quinn you’ll get the friendly guidance you need to help you through the Chula Vista hard money loan process. We’ll make sure the loan terms work for you and for your project or we won’t fund the loan. Submit a loan scenario today to quickly hear back from one of our representatives. If you are looking for a Chula Vista hard money lender, call us today!

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