San Diego Hard Money Lender 2018-04-24T23:15:20+00:00

San Diego
Hard Money Lender

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 hard money loan or private money loan in San Diego, CA. That’s why Wilshire Quinn Capital 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 #1 San Diego hard money lender Wilshire Quinn.

619.672.6000 |

Apply for a Hard Money Loan

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


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 Income Fund loans do not exceed 60% of the appraised value of the property securing the loan.

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 San Diego hard money lender located in the downtown area. 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.

San Diego hard money lender Wilshire QuinnSan Diego hard money lender - buying a rental propertySan Diego Hard Money Lender - East Village Development

Why work with a
San Diego Hard Money Lender?

The sun, the sand, and the craft breweries are just a few reasons why San Diego has earned the name “America’s Finest City”. Whether you’re hitting the nightlife in the Gaslamp Quarter or taking a stroll down the boardwalk, San Diego has something for everyone. The near-perfect weather and beautiful beaches has 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 many industries like biotech are reporting growth in 2018. San Diego County ranks No. 3 in state with life-sciences jobs employing 45,959 people. When the economy is good, people want homes. The housing market is hot across the nation, particularly so in cities like San Diego, CA.

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

Ready to finance your San Diego investment properties?

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

  • 30% to 40% returns are not unheard of for investment properties
  • rent prices increased an average of 8.4% from the previous year
  • San Diego’s median rent price is currently at $2,500 – nearly double the national rate (
  • 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 real estate purchase. 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.

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…

People love us on Google!

Hard Money Lender in San Diego Lending Nationwide

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
Team is great to work with, very happy with my investment decision!
Zach Goldberg
Zach Goldberg
20:38 21 Mar 18
Kris Lindley
Kris Lindley
21:56 26 Mar 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

F.A.Q’s – Hard Money Loans 101

What is a hard money loan? 2018-03-26T22:11:45+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 Capital, Inc. 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 6 months up to 2 years.

What if my credit score is low? 2018-04-03T18:15:11+00:00

Hard money lenders like Wilshire Quinn Capital, Inc. primarily focus on the equity in the property to secure the loan. The borrowers credit is considered but is not a primary determinent in the underwriting process.

How long does the loan process take? 2018-03-26T21:53:45+00:00

After receiving a signed term sheet Wilshire Quinn typically funds a loan in 5 to 7 business days.

What type of properties do you lend on? 2018-04-03T19:15:37+00:00

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

What types of loans does Wilshire Quinn Capital originate? 2018-03-30T21:00:27+00:00

Wilshire Quinn Capital, Inc. will consider a wide variety loan types including: purchase, refinance, cash-out refinance, partnership buyouts, rehabs, 1031 exchanges, value added acquisitions.

How do I submit a loan request? 2018-04-03T19:32:30+00:00

You can either complete our online loan application, email or call us directly. We would prefer to talk through your loan scenario 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? 2018-03-26T21:57:22+00:00

Our interest rates typically range from 9% to 12%, interest-only. Lender origination points typically range from 2% to 5% of the loan amount. The borrower pays for standard closing costs (title, escrow, legal).

San Diego Hard Money Lender

Ability to fund hard money loans fast

At Wilshire Quinn Capital 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. If you are looking for a San Diego hard money lender, give us a call!

Submit Loan Request

Recently Funded Hard Money Loan Transactions

San Diego, CA.

Loan Amount: $765,000
Loan Type:  Refinance
Property Type: Single Family
Loan-To-Value: 60%
Term: 12 Months

Los Angeles, CA.

Loan Amount: $430,000
Loan Type:  Blanket Purchase
Property Type: Single Family
Loan-To-Value: 33%
Term: 12 Months

los angeles hard money lender santa monica deal
Santa Monica, CA
Newport Beach, CA

Loan Amount: $3,725,000
Loan Type:  Purchase / Rehab / Blanket
Property Type: Single Family
Loan-To-Value: 45%
Term: 12 Months

  • 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, multi-family, most property types considered

  • Special use buildings like: car wash, gym, parking lot, bowling alley, mobile home park.

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

Wilshire Quinn portal-login-wqc-logo-dark

Wilshire Quinn Capital, Inc.
525 B Street, Suite 1500
San Diego, CA 92101

P: (619) 872-6000
F: (619) 872-6010

Customer Service

At Wilshire Quinn Capital you’ll get the friendly guidance you need to help you through the private 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 San Diego hard money lender, feel confident calling Wilshire Quinn Capital.

Submit a loan application

Partner with a direct lender you can trust.