San Diego Hard Money Lender2019-08-01T20:59:12+00:00

Your Trusted
San Diego Hard Money Lender

Wilshire Quinn is a San Diego hard money lender, financing real estate investments up to $10 million. We work fast, turning loans around much quicker than traditional lending institutions, because we know time is critical for borrowers looking to invest in San Diego’s competitive market.

Finance Your Next Transaction With Wilshire Quinn

  • A nationwide direct lender, not a broker
  • Pre-approval in 24 hours
  • Typical funding in five to seven days
  • Loan amounts up to $10 million

Purchase | Refinance | Cash-Out | Rehab | 1031 Exchange

Apply for a Hard Money Loan

Get started by completing the form below and an associate will reach out to get your loan details.

Speak with a representative
619-872-6000

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Hard Money Lenders (Home) » San Diego Hard Money Lender

Lending Parameters

CLOSING TIME Typically 5 to 7 days
LOAN SIZE $200,000 to $10,000,000
LTV Up to 60% LTV and 60% of ARV for rehab loans, not to exceed 90% of the purchase price
LIEN POSITION First Trust Deeds Only
LOAN TERM 3 to 24 months
INTEREST RATES 8.5% to 12%
AMORTIZATION Interest-only payments
ORIGINATION FEES 1 to 5 points based on location and property, LTV, credit worthiness of the borrower, loan amount and term
LENDING AREAS Nationwide, in metropolitan and coastal areas

Our Lending Program:

  • Closing Time: Typically 5 to 7 days

  • Loan Size: $200,000 to $10,000,000

  • LTV: Up to 60% and 60% of ARV for rehab loans, not to exceed 90% of the purchase price
  • Lien Position: First Trust Deeds

  • Loan Term: 3 to 24 months

  • Interest Rate: 8.5% to 12%

  • Amortization: Interest-only payments

Recently Funded Hard Money Loans

San Diego Hard Money Lender
Sacramento, CA

Loan Amount: $950,000
Loan Type: Cash-Out Refinance
Property Type: Multi-Family
Loan-To-Value: 60%
Term: 12 Months

San Diego Hard Money Lender
San Diego, CA

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

San Diego hard money lender
San Diego, CA

Loan Amount: $3,625,000
Loan Type:  Rehab
Property Type: Assisted Living Facility
Loan-To-Value: 60%
Term: 12 Months

Hard Money Lenders nationwide
West Hollywood, CA

Loan Amount: $2,200,000
Loan Type:  Rehab
Property Type: Commercial Retail
Loan-To-Value: 47%
Term: 24 Months

Advantages of a Hard Money Loan

Whether you are looking to secure financing for a purchase, refinance, or cash-out refinance, here are some advantages to using a hard money loan:

  1. Speed / Closing Time: Qualifying and being approved for a hard money loan is a significantly faster process than applying for a traditional loan through a bank. Wilshire Quinn typically funds hard money loans in 5 to 7 business days.
  2. Credit score not a major factor: 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 a borrower’s credit score and debt to income levels.
  3. Rehab and non-stabilized property financing Properties that require substantial rehab or that have high vacancy rates often can be difficult for traditional lenders to finance. Bridge lenders such as Wilshire Quinn have the ability to structure deals to allow investors to rehab and stabilize properties.
San Diego hard money lender

Looking for a San Diego hard money lender? Chat with a representative online to discuss your loan or call us at 619-872-6000.

Here’s What Our Borrowers Are Saying

A Proven San Diego Hard Money Lender, Lending Nationwide

Wilshire Quinn is a great hard money lender that funded our loan quickly. Very reliable and delivered 100%
Bill Janis
Bill Janis
21:46 03 Oct 19
I have worked with Wilshire Quinn for several years. Chris Garcia and his staff have always handled my investments with amazing professionalism and with the utmost personal care. I highly recommend utilizing their agency and their services,
Debra Ryder
Debra Ryder
16:59 21 Aug 19
Wilshire Quinn has been a lending agency I, We, have utilized for the past 5+ years. The integrity of the entire company is professional, and the process of each phase of the lending is complementary to all parties involved. I highly recommend their services; small or in large lending capacity.
HBGS Treasurer
HBGS Treasurer
22:10 28 May 19
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.
RishiRia Barkataki
RishiRia Barkataki
22:08 13 May 19
Wilshire Quinn is great. Great staff and very transparent and honest. I am very pleased what what they have done for me thus far.
Sam Godkin
Sam Godkin
18:54 13 May 19
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.
Kip Lee
Kip Lee
20:05 06 May 19
We have trusted Wilshire Quinn with our investing since the inception of the company and have never been disappointed. The care and professionalism they put into every transaction instills confidence and trust. We highly recommend this company.
Gene Kapetan
Gene Kapetan
18:17 06 May 19
Wilshire Quinn has a great team of experts that always move quickly on my transactions. I would recommend them highly to anyone looking to get top-notch financing quickly and without hassle.
Justin Mecklenborg
Justin Mecklenborg
16:19 06 May 19
Wilshire Quinn gave me a competitive quote and followed up with a quick, hassle-free escrow and closing. I am happy with their service and would recommend them to friends and business associates.
Ron Gerber
Ron Gerber
17:44 04 May 19
Working with them is easy and efficient. I enjoy the process and the ease of everything. I would recommend trying them for your needs.
joseph phelan
joseph phelan
22:32 03 May 19
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.
242 Baldwin
242 Baldwin
22:00 02 May 19
Great team to work with! Very efficient process which allowed us to meet a fast approaching refinance deadline with time to spare. I would highly recommend working with them.
Ankur Patel
Ankur Patel
01:45 05 Mar 19
Matthew and his team are the most professional efficient team I have ever worked with in all my 25 years in Finance they took a very tough loan and converted it into $400,000 in working capitol in less than 2 weeks the level of service was unmatched Matthew Mielke is an absolute rock star to deal with if he tells you he will call you at 3 the call happens at 2:30 thank you Matthew for all your help!Jason Roberts
Jason Roberts
Jason Roberts
22:42 31 May 18
This is a superb company to do business with.The customer service is always fast and accurate and gets the job done..When we needed help we had it in record time (three different times) to solve our financial needs...We can't say enough good things about doing business with Wilshire Quinn. Marvin and Arde Harris
arde harris
arde harris
16:16 17 May 18
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.
Robert Noble
Robert Noble
19:15 16 May 18
Wilshire Quinn was extremely professional and they have the staff to make sure all issues are addressed quickly.
I’ve dealt with them for 3 years and I’ve always had a great experience. No one should have any reservations about working with them.
arnie rissman
arnie rissman
21:36 15 May 18
Whether you are investing in secure first trust deed notes or need a hard money loan from a respected private lender, I recommend Wilshire Quinn.
Kris Pattison
Kris Pattison
18:07 28 Mar 18
Kris Lindley
Kris Lindley
21:56 26 Mar 18
I'm not one to typically write reviews but I was so impressed with Wilshire Quinn Capital's service I felt it needed to be shared. I'm a mortgage broker and I recently referred a client to Wilshire Quinn who didn't qualify for any of our programs and needed to fund quickly on a house. I spoke with Matt Mielke and he was not only able to provide a great loan for the client but funded it with time to spare! The client thanked me for connecting him with Matt and as that was the only way he could finance his dream home. It was nice to be able to refer a hard money lender that did what he said he was going to do. I highly recommend Wilshire Quinn Capital for any hard money lending.
Travis Smith
Travis Smith
20:45 21 Mar 18
The professionals at Wilshire Quinn are the best of the best. If you're not able to use a traditional lender, give these guys a call. They're extremely professional, knowledgeable and efficient!
Michaela Keilty
Michaela Keilty
17:47 21 Mar 18
The best!! They are trustworthy and professional. I highly recommend!!
Dan Fulkerson
Dan Fulkerson
23:26 19 Mar 18
San Diego hard money lenderSan Diego hard money lenderHard Money Lender San DiegoSan Diego Hard Money Lender

Why work with a
San Diego Hard Money Lender?

The sun, sand and craft breweries are just a few reasons why San Diego has earned the moniker, “America’s Finest City.” Whether exploring the nightlife in the Gaslamp Quarter or taking a stroll along the Mission Beach boardwalk, San Diego has something for everyone. The near-perfect weather and beautiful beaches have many people packing their bags and moving to San Diego year after year.

The unemployment rate in San Diego has been on a steady decline since 2010, and local industries like biotech are reporting growth in 2018. San Diego County ranks among the state’s top three employers in the life sciences industry, with more than 45,000 jobs. When the economy is good, people want homes. The housing market is hot across the nation, particularly in coastal cities like San Diego.

“One of the challenges we currently face is getting new construction started and completed at the same rate as the demand,” says Melissa Hazlett, VP of sales and marketing at Baldwin & Sons. The Southern California developer is building homes in Otay Ranch, a 5,300-acre planned community in Chula Vista, California.

Ready to finance your San Diego investment properties?

The number of Americans renting is incredibly high, leaving a great investment opportunity in rental properties. San Diego hard money lender Wilshire Quinn can help you get a loan financed in this competitive market.

  • 30% to 40% returns are not unheard of for investment properties
  • Rental rates across the county continue to see high single-digit increases every year
  • San Diego’s median rent price is currently at $2,750—nearly double the national rate (Zillow.com)
  • San Diego is expected to continue growing well into the future, reaching a projected 1.9 million people by 2050, or a 49% increase from 2000

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 San Diego hard money lender to finance their transaction. Unlike traditional lenders, private money lending institutions focus more 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 San Diego 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 considering credit score and debt-to-income levels. Wilshire Quinn takes pride in its common-sense, equity-based lending. We are a San Diego hard money lender located in the downtown area. Thanks to years of experience, we are equipped to handle even the most complicated of lending scenarios, and care more about the real estate you are purchasing or refinancing than inflexible bank requirements.

Request Loan Rates

San Diego Hard Money Loans for Industrial Space

With e-commerce on the rise in San Diego, many are looking for industrial space to use as distribution centers. The most activity is in logistics, warehousing and distribution of consumer products, due to the increasing amount of goods imported from Asia.

“When you think of industrial space, you have manufacturing space and distribution spaces, and when you think about all the distribution warehouses that are being used for e-commerce, it’s a real growth area,” says John Tipton, operating partner at Allen Matkins law firm.

North County, the second-most popular market in San Diego, is seeing a surge in new industrial development and leasing activity, with nearly 1 million square feet under construction since 2015. There are many advantages to working with a San Diego hard money lender to purchase or refinance and industrial building. To find our more, contact us today!

Get Rates for Industrial Space
San Diego hard money lender

We Work With Brokers

Fund loans quickly with Wilshire Quinn

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FAQs – Hard Money Loans

What is a hard money loan?2019-05-29T22:14:54+00:00

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?2019-05-29T22:20:21+00:00

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?2019-05-29T22:31:55+00:00

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?2019-06-11T18:38:06+00:00

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.

What types of loans does Wilshire Quinn originate?2019-06-11T18:35:30+00:00

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?2019-06-11T18:37:24+00:00

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?2019-05-29T22:54:15+00:00

Our interest rates typically range from 8.5% 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?2019-06-11T18:37:04+00:00

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.

San Diego Hard Money Lender

We can fund hard money loans in 5-7 days

At Wilshire Quinn, we control the lending process and can provide quick answers and quick closings for your hard money lending needs. If you are looking for a San Diego hard money lender, give us a call

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Wilshire Quinn Capital Rated 5 / 5 based on 39 reviews. | Review Me