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San Diego Hard Money Lenders

That Accelerate Your Success

Our Lending Guidelines

Interest Rates:Starting @ 9.75% (interest only)
Closing Time:5 to 7 Days
Location:Anywhere in California
Loan-To-Value :Up to 75% LTV
Amounts:$200K to $5M
Origination Fee:2 to 3 points, dependant on size and term
Lien Positions:First Trust & Second Trust Deeds
Underwriting Fee:$1500
Loan Term:6 to 60 months (extensions available)

Property Types

  • Single-family & Multi-family Investment Properties
  • Condominiums
  • Retail Centers
  • Office Buildings
  • Industrial & Warehouse
  • Hotels & Motels
  • Healthcare & Assisted Living Facilities
  • Special Purpose & Mixed Use
  • Parking Garages & Lots

Reliable Hard Money Lenders in San Diego

San Diego City Skyline

Crescent Lenders is one of the California hard money lender that funds real estate deals across San Diego County.

Unlike brokers, as direct private money lenders we use our own funds to provide rapid funding for real estate projects.

We specialize in servicing cities up and down California, including Los Angeles, San Francisco and San Diego.

We have successfully funded numerous San Diego hard money loans over the last decade equating to hundreds of millions of dollars in private capital being deployed to real estate investors.

Pre-Qualify Today

Aerial View of the San Diego Coastline With Residential Homes

Contact us today to inquire about how we can solve your San Diego funding scenario.

Our customer service is second to none. You can count on us to answer the phone and to communicate with you every step of the way.

Come see why Crescent Lenders is the preferred hard money lender for San Diego real estate investors.

Whether you need to refinance a property in La Jolla, execute a fix and flip in Torrey Pines or cash-out refinance your property in Scripps Ranch — Crescent Lenders is here for all of your San Diego real estate investment funding needs.

We Fund All Types of San Diego Hard Money Loans

San Diego Commercial District

We provide financing on residential and commercial real estate projects across the Southern California Region.

We consider all types of projects for funding, including:

  • purchase loans
  • bridge loans
  • fix and flip loans
  • refinance loans
  • cash-out, probate, rental property and BRRRR loans
  • along with any other asset based loan whereby real estate is used as collateral

When underwriting your private money loan in San Diego, the biggest factors we take into account are the value of the collateral property and the loan to value ratio.

Factors used for conventional mortgages like credit score and property vacancy rates are only used in a secondary manner.

And unlike big banks we can get you funded in a matter of days rather than months.

From the time you read this webpage to the time we get you funded can happen in as little as 5 to 7 days.

Unsure if we are the solution to your San Diego hard money lending issue?

Check out the reviews below to see what our past customers say about working with us.

What Our Borrowers Say

Top-Rated Provider

I’m a commercial real estate broker and do some fix n flipping on the side here in SoCal. I’ve used a few different HMLs in the past but have created a good relationship with these guys and have repeatedly used them and will continue to do so going forward.

- Justin R.
*As of May 15th, 2023

San Diego's Real Estate Market

With 3 million residents, San Diego is California's 2nd largest city and a prime real estate market.

Known as "America's Finest City," it’s home to amazing beaches, great weather and numerous tourist attractions.

San Diego's housing prices are among the highest in the country and the real estate market remains one of the hottest in the nation.

Real estate investors in Southern California are realizing the importance and benefits to using hard money loans in the San Diego market.

An offer on a property accompanied by a hard money loan is considered by most sellers to be as good as an all cash offer, helping to make you offer more competitive than other buyers in the marketplace.

San Diego has a very stable and competitive market which can be attributed to:

  • vast amounts of coastline
  • great climate and a low crime rate
  • a great place to raise a family
  • a top destination for young white collar professionals who are single and educated

Fast Facts

  • Average property sale price is $640,000
  • Average of 3 offers on every listing
  • It takes about 17 days to sell a property 
  • An 870 square foot apartment has an average rent of $2,237
  • Of the available housing supply 39% is renter occupied, and 60% is owner occupied
  • 45.31% of adults in San Diego have at least a bachelor's degree

Hard Money Loans FAQ

What Is Hard Money?

What Is a Hard Money Loan?

A hard money loan, also known as a bridge loan, private money loan or gap loan, is a loan secured by a "hard asset" like commercial, industrial or residential real estate.

It is generally a short term loan (6 to 60 months) issued by private or commercial investors.

Why Use a Hard Money Loan?

A hard money loan has advantages over a traditional bank loan:

  • the approval process is much faster (5 to 7 days vs 30 days)
  • fewer requirements
  • easier to qualify
  • flexible repayment schedules
  • better option for those with low credit scores, the self employed, or with a difficult financial history, such as a foreclosure or bankruptcy
What Determines the Cost of a Hard Money Loan?
  • experience in the fix and flip industry
  • additional sources of income
  • your exit strategy from the loan
  • and most importantly, the underlying value of the hard asset
What Types of Clients Utlise This Product?

Real Estate Investors, such as:

  • Fix and Flippers
  • Refinancers
  • Real Estate Developers
  • Construction Contractors

Our Lending Process

How Fast Can I Expect My Money?

From start to finish, the approval process can take as little as 5 to 7 business days.

How Do You Determine Rate?

Rates are determined by:

  • the underlying value of the asset
  • the location of the asset
  • how much the borrower is putting down
  • credit score
  • additional sources of income
  • property type
How Do You Value a Property?

We do your own analysis from recently sold comparable properties as well as have an appraiser visit the property.

What Is the Approval Process?

The approval process involves a brief phone call with Russ, to collect general background information regarding your financing needs and history.

After this pre-approval phone call your information will be verified through our underwriting process.

Once verified we will send you a term sheet and if you accept, you will receive the funds in your account.

What if My Credit Score Is Low?

While credit score is a factor, bad credit is not a deal breaker as many factors are considered:

  • experience in the fix and flip industry
  • additional sources of income
  • most importantly, the underlying value of the hard asset
Are There Any Types of Hard Money Loans You Don’t Fund?

Crescent Lenders does not fund land, ground-up construction or owner-occupied projects.

Our Lending Guidelines

What Is Your Max LTV?

Our maximum loan-to-value ratio is 75%.

How Much Can I Lend From Crescent Lenders?

Our loans start at $200K and go up to $5 million dollars.

What Property Types Do You Lend On?

We fund most property types, including:


  • Multi-family Investment Properties
  • Single-family Investment Properties
  • Condominiums

Commercial & Retail

  • Retail Centers
  • Office Buildings
  • Hotels & Motels
  • Healthcare & Assisted Living Facilities


  • Industrial & Warehouse
  • Parking Garages & Lots
  • Special Purpose & Mixed Use
What Lien Positions Do You Fund?

We fund both First Trust & Second Trust Deeds.

What Term Lengths Do You Offer?

6 to 60 months, (extensions are available)

What Fees Do You Charge?

We do not require any upfront fees, but charge 2 to 3 points, depending on the size and term length of the loan and a $1500 underwriting fee.

We Can Deliver Rapid Financing
Between $200k and $5 million dollars
Nationwide private lender (not a broker, avoid the extra fees)
Funding loans such as purchase, refinance, rehab, probate, 1031 exchanges, cash-out
All types of investment properties considered, residential, commercial and industrial
Crescent Lenders

Suite #116, 999 Overland Ave

Los Angeles, California


Disclaimer: Crescent Lenders, DBA CrescentLenders.com ("CL") is a California licensed broker under California Bureau of Real Estate License No. #01792267. Regardless of this license, CL considers itself a “finder” for purposes of applicable laws and regulations (California Business & Professions Code § 10130, et. seq.).