San Diego
Private Money Lender

Wilshire Quinn is a San Diego private 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 private money 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

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Hard Money Lenders (Home) » San Diego Private 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

Property Types

  • Multi-family

  • Single-family Investment Properties

  • Condominiums
  • Retail Centers

  • Office Buildings

  • Industrial & Warehouse

  • Hotels & Motels

  • Healthcare & Assisted Living Facilities

  • Special Purpose & Mixed Use

  • Parking Garages & Lots

  • Gas Stations

  • Land

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

Here’s What Our Borrowers Are Saying

A Proven San Diego Private Money Lender, Lending Nationwide

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Recently Funded Private Money Loans

San Diego Private 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 Private 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 Private 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

San Diego Private Money Lender
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 Private Money Loan

Whether you are looking to secure financing for a purchase, refinance, or cash-out refinance, here are some advantages to using a private 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 private 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. Private money lenders such as Wilshire Quinn have the ability to structure deals to allow investors to rehab and stabilize properties.
Seattle hard money lenders

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

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Why work with a
San Diego Private 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 private money lender Wilshire Quinn Capital can help you get a deal done 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 private 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 private 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 private 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.

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San Diego Private 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 private money lender to purchase or refinance and industrial building. To find our more, contact us today!

Get Rates for Industrial Space
San Diego private money lender

We Work With Brokers

Fund loans quickly with Wilshire Quinn

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FAQs – Private Money 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.

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.

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

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).

Private 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.

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.

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.

After receiving a signed term sheet we typically fund in 5 to 7 business days.

Submit a loan request

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