Del Mar
Hard Money Lender

Wilshire Quinn is a Del Mar hard money lender with offices in San Diego, Los Angeles and San Francisco. We are a direct private money lender; we are not a loan broker. We know that time is of the essence for borrowers who may be seeking a bridge loan or hard money loan in Del Mar. That’s why Wilshire Quinn will work with you to fund your loan in just a matter of days. Whether it is a purchase, refinance, cash out, or a multiple property loan; you can count on the premier Del Mar hard money lender, Wilshire Quinn.

619.872.6000 | loans@wilshirequinn.com

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Hard Money Lenders (Home) » Del Mar 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 funds Del Mar 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…

Del Mar Hard Money Lender - Beautiful Beaches

Del Mar Hard Money Lender - SD County Fair

Del Mar Hard Money Lender – financing your residential and commercial real estate investments

The San Diego rental market is hot and projected to continue to rise through 2019. Most large metropolitan cities around the US are experiencing a similar trend, however Coastal San Diego cities like Del Mar are seeing exceptional growth in the rental market.

Del Mar nestled on the coast of the Pacific Ocean in San Diego county is known for its beautiful beaches, the Del Mar horse races and the San Diego County Fair. Del Mar is Spanish for “of the sea” or “by the sea,” which reflects its location on the coast of the Pacific Ocean.

Recent statistics show that investing in a Del Mar real estate project might be a safe bet. The economy has steadily bounced back in San Diego since the 2008 recession. Del Mar residents have a higher average income and the city has a lower crime rate than many nearby areas. 94.49% of the population in Del Mar have white collar jobs and a median household income in the area over $350,000 for a family of four.

Average household size – 2.53
Households with kids under 18 – 325
Single family homes – 62%
Multi-family units – 38%
Renter-occupied housing 45.4%

While the area is definitely dominated by smaller families and single family homes, it’s clear there is a huge rental market here, with 45.4% of the population renting their home. Rents have steadily risen in San Diego and are projected to continue. As of January 2017, the average rent within San Diego itself was $2113 monthly. Average rents for a two bedroom apartment were a little higher at $2240. The coastal city of Del Mar has more luxury homes and considering most Del Mar residents need at least a 2 bedroom, the rents in Del Mar are on the higher end of the range.

Looking to buy an investment property to rent out? Consider working with a Del Mar Hard Money Lender

The cost of living in San Diego 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 Del Mar hard money lender to finance their real estate purchase. Unlike traditional lenders, private money lending institutions 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 Del Mar 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 Capital is a Del Mar 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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Del Mar Hard Money Lender – Offices in San Diego, Los Angeles and San Francisco

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Wilshire Quinn Capital, Inc

Based on 119 reviews

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Leroy Lutu

Wilshire Quinn Capital is an excellent hard money lender and has helped several of my clients close on mixed-use, multifamily and industrial properties that needed quick bridge financing. If you are an investor or broker needing to source the best, most reliable financing options, Wilshire Quinn Capital is your solution!

Chris Koning

I wanted to take a moment to share my experience with Wilshire Quinn Capital, specifically with Matt Mielke. I had the pleasure of working with him, and I found him to be highly professional and knowledgeable in real estate investing. Matt exceeded my expectations and has consistently been my go-to for any investing needs. I have complete trust in his abilities and would recommend him to my own family and friends, as well as to anyone looking for assistance in this area.

Sarah Wilken

Wilshire Quinn offers competitive rates and have impressive turnaround times. The team is professional, knowledgeable, and dedicated to providing exceptional service. Highly recommend working with them, true professionals!

Sophie Bell

Great experience working with the Wilshire Quinn team. Provided quick feedback and transparent terms. Looking forward to working with them again in the future. Knowledgeable team!

Ryan Rodriguez

Wishire Quinn was essential to closing a deal for my client. Matt Mielke and his team performed seamlessly and I would happily do business with them again.

Ryan Rodriguez, EVP, Colliers International

Alexandra Yellin

Great experience with Jermey and Matt. They offer competitive terms and work efficiently. They are trustworthy which is always important to brokers.

Steve Murillo

I've been a mortgage broker for over 25 years. The team at Wilshire Quinn is a pleasure to work with. They are efficient, friendly and easy to work with. I highly recommend them!

pat murphy

I recently closed the financing of a building in Los Angeles with Wilshire Quinn...in 7 days!!! Mat and Jeremy and the team of professionals there were great to work with.
You folks will always be my first call for future business...Thanks!!

Dominick Ertmann

I worked with many different individuals at Wilshire Quinn Capital, every single person I worked with was on point and up to speed with everything I needed.

I have zero complaints about these Gentlemen, our company will continue to do business with them.

I appreciate all the help from Matt Mielke, Jeremy Hammer, Chris Garcia and Randy Miller! You guys were tremendous!

Justin Ashcraft

Working with Wilshire Quinn was an absolute pleasure from to start to finish. Working as a broker for a client with a vacant building Matt, Chris, and Jeremy were quick to answer all questions, clear in the items they needed and were able to work with us to see a successful completion of the deal. I can’t sing their praises highly enough for the ease at which everything went on what was a tricky deal, and I’m very much looking forward to working with them again in the future. If you’re hesitant for any reason, don’t worry. Wilshire Quinn is a top-notch group filled professional, courteous, and great people.

David Wright

I run a real estate development company focused on multifamily projects. We have used Wilshire Quinn for bridge lending three times now. They are always a pleasure to work with, and can close quickly. The certainty of execution with Wilshire Quinn allows us to move quickly when a great opportunity arises.

Dan Fineman

We just had a great experience working with Wilshire Quinn on a recent transaction. Our team, led by Matt, was professional, communicative, transparent, and fast -- they funded our loan in 5 days, exactly what we needed. They offered very competitive terms, and excellent customer service throughout the process. Highly recommended!

Chris Chiari

Refi for a hotel in a global pandemic, was a unique challenge, Matt and the team at Wiltshire Quinn Capital stepped up. The story of the PattersonInn.com continues.

David Estrada

Jeremy and Matt were on it from day one and were very easy to work with. They worked diligently with us to help our client get the leverage she needed in the very short timeframe she had. My team is looking forward to working with them and Wilshire Quin Capital again very soon!

Allan Chandler

Wilshire Quinn was a great lender to work with. Organized at close and simple servicing, Chris and his team get five stars.

AJ Azara

Phenomenal experience with these guys. Funded and closed quickly. They're our go-to guys in situations where we have to move quickly. Looking forward to future business with them.

Nick Ames

I highly recommend Wilshire Quinn for your bridge loan. They are very trustworthy, creative and deliver on time. In addition they focus not just on the loan but the borrower’s overall needs. My client had a construction rehab loan that was due and he needed not only a new loan but a sale since his global cash flow had been compromised by an ex-partner. Chris Garcia brought in a buyer who was a contractor and provided the loan to close within a two week period. Thank you Chris and Wilshire Quinn.
Nick Ames of San Francisco

peter kockelman

What a wonderful experience working with Wilshire Quinn Capital! We needed a short-term bridge loan to purchase a new home before our prior home was ready to go on the market. It was quick and painless and the loan was funded in ample before we closed in line with what was promised. I would highly recommend this company to others and would not hesitate to use them again should the need arise. Thank you Wilshire Quinn Capital!!!!!

Scott Cooper

Wilshire Quinn Capital stepped in to save the day on a $4,000,000 purchase that fell out from bank underwriting, and executed a super quick close in less than 8 days. Superb performance by their entire team. Will definitely go back to them in the future.

Mark H

Wilshire Quinn is a excellent, fast-closing real estate lender that provides reliable and professional service. They funded our loan submission very quickly and we look forward to doing a lot more business with them.

Rich Dickson

Wilshire Quinn Capital, Inc is a great equity money lender to work with and funded my loan quickly. I highly recommend them if you need investment or working capital fast

Sunny Wofford

I needed to close an loan for an client of mine in a short amount of time. Daniel Goldberg and the team at Wilshire Quinn Capital made the deal happen saving the borrowers property.

I can't thank them enough, I would highly recommend Daniel Goldberg and Wilshire Quinn Capital when you need a quick bridge loan.

RishiRia Barkataki

It was a pleasure to work with Wilshire Quinn Capital, Inc. They are highly professional, knowledgeable, responsive and quick to return calls. I was most impressed with the turnaround and how quickly and conveniently the escrow check was disbursed. This is my second time working with Wilshire Quinn on mortgage financing and have never been disappointed. I will recommend Wilshire Quinn to every person I know who is in need of financing.

Chuck DeHont

I invest in three different real estate loan companies and Wilshire Quinn stands out as professional, honest, and thorough. Highly recommended.

Kip Lee

Wilshire Quinn Capital works for individual investors seeking consistent returns on their capital; as well as investors , builders or homeowners seeking bridge loans to expand their businesses and improve their real estate investments. Always on time and ready, willing and able to serve their customers, Wilshire Quinn prioritizes customer service.
In a nutshell, Wilshire Quinn is a one stop shop for great returns, and most efficient and reliable approach to obtaining a hard money bridge loan. I wouldn't consider going anywhere else.

Matthew Goetz

I have been brokering private money loans for over 25-years and I can say that Wilshire Quinn gives quick answers and has always come through on what they said they would do.

Aaron Aftergood

This is a smart, diligent lender that doesn't mess around. They quickly understand the borrower's needs, and act quickly to help borrower be successful. Contact Wilshire Quinn for complicated transactions that other lenders might move too slowly on. Great customer service and client care .

Kirk Jaffe

I have worked with Wilshire Quinn Captial, Inc. many times over the past 10 years and recommend their services with my highest level of confidence.

There are many private lenders in the market, but very few that work with the level of integrity that Wilshire Quinn does. They get me answers quickly and honor their word. When they say they will get a loan finished, they do.

The entire team is cordial, competent and creative in crafting solutions that make sense for borrowers and investors alike.

I have referred high net worth people to invest with Wilshire Quinn because I know the quality of their management and their underwriting standards. Investors earn what is promised and the risk of loss is mitigated by the sensibility of ownership.

Reach out to Wilshire Quinn Captial Inc for all you private money needs OR if you are an investor looking for higher yielding secure investment opportunities.

242 Baldwin

The Wilshire Quinn team did an excellent job in a short time frame. I feel their rates and ‘products’ are competitive. Where I feel they distance themselves from the competitors is their commitment to customer satisfaction. Every project has challenges and they are dedicated to working with their clients to ensure satisfaction, which is not commonplace in the market these days.

Ted Bonzon

Wilshire Quinn assisted me and saved a real property purchase in record time and with a great loan package saving me thousands. Thank you Matthew and Jeremy!! Great team!!

Andrew Morrow

Wilshire Quinn is our go-to resource for purchase money and construction funding, both large and small. The entire WQ team is outstanding in every respect.

Henry Lee

I needed to refinance one of my properties within a short timeline. I got an LOI from Wilshire Quinn and they were able to fund the loan and close the deal within a week. I've gotten quotes from other companies but they didn't come close to Wilshire Quinn's offer. I highly recommend them.

Deborah Candido

The Wilshire Quinn team facilitated a $475,000 Bridge loan for one of my clients that needed to close quickly. The subject property was a mixed-use building in Hollister, California. I worked with Daniel Goldberg and he really helped with the process. Very quick to respond and get the loan closed. The underwriting and closing process was straightforward and efficient. I would strongly recommend Wilshire Quinn as one of the premier California hard money lenders.

Ron Taylor

The Wilshire Quinn team assisted my client with a $5 million dollar Bridge loan in California that needed to close quickly. The paperwork, processing and closing process was clear, concise, and fast. Rates and terms were appropriate. Bumps in the road were dealt with in a prompt, flexible, and friendly manner. I strongly vouch for Wilshire Quinn as a California hard money lender.

Robert Noble

A couple of years ago Chris Garcia and the team at Wilshire Quinn Capital were introduced to me through a good friend and business partner who has known Chris for many years. WQ has twice since then provided the ideal funding for my projects. They keep it simple. The deal terms, loan docs, appraisals and everything involved in the closing were clear, easy and fast. No headaches. The deals were fair. There have been no fine print surprises. They were prompt, clear in communications, flexible and friendly. They were patient through delays caused by me and others. I would highly recommend Wilshire Quinn to anyone.

F.A.Q’s – Hard Money Loans 101

What is a hard money loan?

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.

What if my credit score is low?

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.

How long does the loan process take?

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

What type of properties do you lend on?

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

What types of loans does Wilshire Quinn originate?

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

How do I submit a loan request?

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.

What is the cost of a hard money loan?

Our interest rates typically range from 9% to 12%, 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).

Where does Wilshire Quinn lend?

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 Del Mar 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 Del Mar, Carmel Valley and Coastal San Diego up to $10M with funding available in about 5-7 days.

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Recently Funded Hard Money Loans

Streamlined Process & Approval within 24 hours
Funding typically in 5-7 days
We are a Direct Lender; not a broker
Foreign nationals – OK
Refinance, purchase, blanket, refinance, rehab loans
Commercial, residential, multifamily, most property types considered
Special use buildings like: car wash, gym, parking lot, assisted living facility, mobile home park.

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

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

E: loans@wilshirequinn.com
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 Del Mar 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 Del Mar hard money lender, call us today!

Del Mar Hard Money Lender