Rancho Santa Fe
Hard Money Lenders

We are Rancho Santa Fe hard money lenders financing commercial & residential real estate loans up to $10M. We know that time is of the essence for borrowers who may be seeking a bridge loan or hard money loan in Rancho Santa Fe. Wilshire Quinn excels at funding private money loans in about 5-7 days. Whether it is a purchase, refinance, cash out, or a multiple property loan; you can count on Rancho Santa Fe hard money lenders, Wilshire Quinn.

Purchase | Rehab | Refinance

619.872.6000 | loans@wilshirequinn.com

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    Hard Money Lenders (Home) » Rancho Santa Fe Hard Money Lenders

    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 loans do not exceed 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…

    We specialize in many property types including:

    • Multifamily

    • Single Family Investment Properties

    • Retail shopping centers

    • Office Buildings

    • Warehouse & Industrial

    • Special Use: Assisted Living Facilities, Parking Garage/Lots, Mobile Home Parks  & more

    Our Lending Program:

    • Funding in 5-7 days

    • Loan Amounts from $200,000 to $10,000,000

    • Loan-To-Value: 60%

    • Commercial & Residential Real Estate Nationwide

    • Purchase, Refinance, Rehab, Cashout Refinance, Fix-n-flip, Blanket Loans

    • Foreign Nationals OK

    • Loan Term: 3 – 24 months

    Rancho Santa Fe hard money lendersRancho Santa Fe hard money lendersRancho Santa Fe hard money lenders

    Rancho Santa Fe Hard Money Lenders – financing your commercial & residential real estate investments

    Rancho Santa Fe is an affluent neighborhood in San Diego located northeast of Del Mar.

    The median sales price in Rancho Santa Fe is above the National average. The average price of a home in the United States is just over $200,000. Home prices in Rancho Santa Fe over the past few years have consistently risen making it worth consideration when looking at buying an investment property.

    Looking to buy an investment property to rent out in Rancho Santa Fe? Here’s why you should consider working with Rancho Santa Fe hard money lenders

    The cost of living in Rancho Santa Fe has continued to increase 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.

    • The majority of Californians rent rather than owning, making purchasing a rental property a good business
    • The average family size in Rancho Santa Fe is 2.59

    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 Rancho Santa Fe hard money lenders 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 Rancho Santa Fe 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 California hard money lender, with experience lending nationwide. As experienced Rancho Santa Fe hard money lenders 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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    Your Trusted Rancho Santa Fe Hard Money Lenders, Lending Nationwide

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    F.A.Q’s – Hard Money Loans

    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.

    Rancho Santa Fe Hard Money Lenders

    Looking For A Bridge Loan in Rancho Santa Fe?

    At Wilshire Quinn we control the lending process and can provide fast answers and quick closings for your real estate transactions. We are a direct lender which means we can fund hard money loans fast. We lend private hard money loans in Rancho Sante Fe up to $10M with funding available in about 5-7 days.

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    Recently Funded Hard Money Loan Transactions

    Rancho Santa Fe Hard Money Lenders Wilshire Quinn
    Hollister, CA

    Loan Amount: $475,000
    Loan Type:  Refinance
    Property Type: Mixed Use
    Loan-To-Value: 54%
    Term: 24 Months

    Rancho Santa Fe Hard Money Lenders Wilshire Quinn
    El Monte, CA

    Loan Amount: $4,750,000
    Loan Type:  Refinance
    Property Type: Industrial
    Loan-To-Value: 60%
    Term: 12 Months

    Rancho Santa Fe Hard Money Lenders Wilshire Quinn
    San Diego, CA

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

    Call us now at 619.872.6000 and speak directly to a loan officer. Get a pre-approval from Rancho Santa Fe hard money lenders within 24 hours and funding in about 5-7 days.

    Rancho Santa Fe Hard Money Lenders Wilshire Quinn

    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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    At Wilshire Quinn you’ll get the friendly guidance you need to help you through the private money loan process. Submit a loan scenario today to quickly hear back from one of our representatives.

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