Wilshire Quinn Capital

Vista
Hard Money Lender

We are a Vista hard money lender financing commercial & residential real estate loans up to $10M. A benefit of working with a direct private money lender like Wilshire Quinn is that we fund hard money loans fast, typically in about 5-7 days. We know that time is of the essence for borrowers who may be seeking a private money loan or hard money loan in Vista, CA. Whether it is a purchase, refinance, cash out, or a multiple property loan; you can count on Vista hard money lender, Wilshire Quinn.

619.872.6000 | loans@wilshirequinn.com

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    Hard Money Lenders (Home) » Vista 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 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…
    Vista Hard Money Lender - investment propertiesVista hard money lender - rental trendsVista hard money lender - median sales pricesVista hard money lender - investment property

    Vista Hard Money Lender – Borrow up to $10 million for your commercial & residential real estate investments!

    Vista is located in northwestern San Diego County. Vista is a medium-sized city within the San Diego – Carlsbad, CA Metropolitan Area and has a population of about 101,659. Located just seven miles from the Pacific Ocean, Vista residents enjoy a climate similar to that of the Mediterranean.

    According to Trulia.com, the median home value in Oceanside is $525,000. Oceanside home values have gone up 2% ($10,000) over the past year with no sign of a decline in the near future. The average price of a home in the United States, on the other hand, is just over $200,000. Home prices in Vista 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? Here’s why you should consider working with a Vista hard money lender

    The cost of living in Vista 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.

    • The majority of Californians rent rather than owning, making purchasing a rental property a good business
    • Apartments with 1-2 bedrooms are the easiest to rent
    • The average family size in Vista is 3.11
    • Y-o-Y change for a 2 bedroom is 5% (average rent $1,787), and 3 bedroom is 5% (average rent $2,167)

    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 an Vista 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 Vista 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 an Vista 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.

    Submit a Loan Application

    Know Our Borrowers

    Premier Vista Hard Money Lender, Lending Nationwide

    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!
    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.
    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!
    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!
    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
    Great experience with Jermey and Matt. They offer competitive terms and work efficiently. They are trustworthy which is always important to brokers.
    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!
    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!!
    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!
    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.
    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.
    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!
    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.
    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!
    Wilshire Quinn was a great lender to work with. Organized at close and simple servicing, Chris and his team get five stars.
    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.
    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
    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!!!!!
    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.
    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.
    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
    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.
    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.
    I invest in three different real estate loan companies and Wilshire Quinn stands out as professional, honest, and thorough. Highly recommended.
    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.
    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.
    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 .
    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.
    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.
    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!!
    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.
    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.
    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.
    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.
    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.
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    Vista Hard Money Loans for Industrial & Commercial Real Estate

    With e-commerce on the rise in San Diego, many are looking for industrial space to use as distribution centers. Imports from Asia are also growing making Vista and other San Diego communities in demand for industrial buildings.

    “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,” Allen Matkins Operating Partner John Tipton said.

    North County, the second most popular market in San Diego, is seeing a surge in new industrial development and leasing activity, with nearly 1M SF under construction since 2015. There are many advantages to working with a Vista hard money lender to purchase industrial space.

    Request Loan Rates on Industrial and Retail Space

    Give us a call to discuss your loan scenario. 619-872-6000

    Vista hard money lender - industrial buildings

    F.A.Q’s – Hard Money Loans 101

    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, 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 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).

    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.

    Your Trusted Vista 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 Vista up to $10M with funding available in about 5-7 days.

    Submit Loan Request

    Recently Funded Hard Money Loan Transactions

    Slide Wilshire Quinn Capital SAN DIEGO, CA Loan Amount: $540,000 Loan Type: Refinance Property Type: Multi-Family Loan-To-Value: 51% Term: 6 Months Wilshire Quinn Capital FREEPORT, NY Loan Amount: $1,150,000 Loan Type: Purchase Property Type: Medical Office Loan-To-Value: 49% Term: 12 Months Loan-To-Value: 38% Wilshire Quinn Capital PACIFIC GROVE, CA Loan Amount: $1,230,000 Loan Type: Refinance Property Type: Retail Term: 18 Months Loan Amount: $2,070,000 Wilshire Quinn Capital PEACHTREE CORNERS, GA Loan Type: Purchase Property Type: Retail Loan-To-Value: 60% Term: 12 Months Loan-To-Value: 29% Loan Amount: $12,550,000

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

    Vista hard money lender

    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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    Partner with a direct lender you can trust.

    Customer Service

    At Wilshire Quinn 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.

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