HWH San Diego Hard Money Lender - Real Estate

(619) 983-0898

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Fast and Flexible Hard Money Loans in San Diego for Real Estate Investors

At HWH San Diego Hard Money Lender - Real Estate, we help local investors secure fast and reliable hard money loan options to close real estate deals without delays. Our tailored financing solutions make it easier to buy, renovate, or build properties in San Diego’s competitive housing market, giving you the leverage to act quickly when opportunities arise.


Unlike traditional banks, we specialize in asset-based lending, focusing on property value instead of strict credit requirements. This allows real estate investors throughout San Diego to access funding with less paperwork, faster approvals, and flexible terms. Whether you’re flipping homes, starting new construction, or expanding your rental portfolio, our team delivers hard money loans designed for the San Diego market to help you reach your investment goals.

14 Days

Average Closing Time

100M+

Funded

Top Choice

For Local Real Estate Investors

Barrower Loans

Fix and Flip Loans

Transform distressed properties into profitable sales with our Fix and Flip Loans in San Diego. We provide fast access to capital so you can purchase, renovate, and sell properties without costly delays, helping you maximize returns on every project.

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DSCR Loans

For investors building long-term wealth, our DSCR loans allow you to qualify based on property cash flow. This flexible program makes it easier to finance rentals and grow your portfolio without relying on personal income statements.

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Ground Up Construction Loans

From land acquisition to final build, our Ground Up Construction Loans in San Diego give developers and investors the funds needed to bring new projects to life. We offer fast approvals and tailored solutions to keep your construction plans on track.

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Bridge Loans

Timing is crucial in real estate. Our Bridge Loans in San Diego provide short-term financing to help you purchase, refinance, or transition properties quickly while waiting for long-term funding.

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Multifamily Loans

Grow your rental income with our Multifamily Loans in San Diego, designed to finance duplexes, apartment buildings, and other multi-unit properties. We help you scale your investments and build sustainable cash flow.

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Bank Statement Loans

For self-employed investors, our Bank Statement Loans in San Diego make qualifying simple. Use your bank deposits instead of tax returns to access fast, flexible funding for your next real estate opportunity.

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Areas We Serve Across San Diego County

HWH San Diego Hard Money Lender - Real Estate captures the vibrant city of San Diego at night, with tall buildings glowing under bright city lights.

San Diego

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HWH San Diego Hard Money Lender - Real Estate highlights a signage anchor that proudly says “Chula Vista” at night, surrounded by a glowing city full of lights.

Chula Vista

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HWH San Diego Hard Money Lender - Real Estate presents a stunning oceanside view from a deck at sunset, with warm colors reflecting across the water.

Oceanside

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HWH San Diego Hard Money Lender - Real Estate captures a bright sunny day in Escondido, where palm trees line the streets and buildings stand against the clear sky.

Escondido

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Frequently Asked Questions

Got a question? We’re here to help.

  • What are the borrower tiers and how do they affect my loan terms?

    We categorize borrowers into four tiers based on the number of completed deals:



    We categorize borrowers into four tiers based on the number of completed deals:



    Bronze (1–2 deals): 10% LTV reduction (Max 80% LTV), rates from 12.99%–13.49%.



    Silver (3–4 deals): 5% LTV reduction (Max 85% LTV), rates from 11.99%–12.49%.



    Gold (5–9 deals): No LTV reduction (Up to 90% LTV), rates from 10.99%–11.49%. Includes advanced draws and access to GUC funds.



    Platinum (10+ deals): Same as Gold plus option for non-dutch fix and flip loans, rates from 10.49%–10.99%.



  • What are Advanced Draws?

    Advanced Draws allow you to access project funds quickly. Within 48–72 hours after closing, you'll be set up with a draw request portal via email. You can receive up to 15% of project funds upfront throughout the project.


  • What is an Interest Reserve?

    Permits are not required as long as you're not changing the floor plan or expanding the horizontal footprint.



    If you are doing either, please submit your track record, scope of work (SOW), and a completed loan application for underwriting review. This helps us determine eligibility and confirm whether draw schedules and leverage can remain intact.



  • Do I need permits for the project?

    Up to 90% purchase / 100% rehab



    Up to 93% Loan-to-Cost (LTC)



    Up to 75% After Repair Value (ARV)



    Interest Reserve included



    Advanced Draws approved within 48 hours of closing (up to 20% or $25,000, whichever is lower)



    Optional: Non-dutch interest available for Platinum borrowers (no advanced draws)



  • What are the maximum loan terms for Fix and Flip projects?

    Up to 90% purchase / 100% rehab



    Up to 93% Loan-to-Cost (LTC)



    Up to 75% After Repair Value (ARV)



    Interest Reserve included



    Advanced Draws approved within 48 hours of closing (up to 20% or $25,000, whichever is lower)



    Optional: Non-dutch interest available for Platinum borrowers (no advanced draws)



  • How does Ground-Up Construction financing work?

    Unpermitted land: Up to 65% LTV



    Permitted land: Up to 75% LTV



    Up to 93% LTC and 75% ARV



    Interest Reserve and standard draw processes apply



  • How do refinance seasoning requirements impact my leverage?

    Seasoning is based on how long you’ve owned the property:



    Less than 6 months: Qualifies for Delayed Purchase, up to 90% LTV



    6–12 months: Treated as rate-and-term or cash-out. Subject to original purchase price only.



    Silver Tier: 15% leverage deduction (Max 65% LTV)



    Gold/Platinum: 10% deduction (Max 80% LTV)



    Bronze: Not eligible



    12+ months: Uses new as-is value



    Same deductions apply



    Permitted work is required; otherwise, loan may be denied



  • When should I use a Delayed Purchase loan?

    Use this when you've paid all cash for a property and want to place financing on it within 6 months to recover equity. This allows up to 90% LTV without the need to season the loan for a full six months.



Business Info for HWH San Diego Hard Money Lender

Business Address



HWH San Diego Hard Money Lender - Real Estate


  • Chula Vista
  • Oceanside
  • Escondido
  • Carlsbad
  • El Cajon


619-983-0898


Business Hours



  • Monday : 7:00AM – 12:00AM
  • Tuesday : 7:00AM – 12:00AM
  • Wednesday : 7:00AM – 12:00AM
  • Thursday : 7:00AM – 12:00AM
  • Friday : 7:00AM – 12:00AM
  • Saturday : 7:00AM – 12:00AM
  • Sunday : 7:00AM – 12:00AM


 About San Diego and Its Growing Real Estate Market

San Diego, California, often called "America's Finest City," is renowned for its sun-drenched coastline, perfect weather, and vibrant, laid-back lifestyle. Nestled along the Pacific Ocean just north of the Mexican border, San Diego offers 70 miles of pristine beaches, attracting surfers, sunbathers, and nature lovers from all over the world.


The historic Gaslamp Quarter is a lively example, where Victorian architecture meets modern-day restaurants, jazz bars, and boutiques. Meanwhile, the Mission Basilica San Diego de Alcalá, California’s first mission, and Old Town offer glimpses into San Diego’s Spanish colonial past. Foodies flock to the area for authentic Mexican cuisine and fresh seafood, from fish tacos to street cart churros, all shaped by the region's proximity to the border and the Pacific.


San Diego is also a city of innovation, home to a thriving biotech sector, numerous research institutions, and universities like UC San Diego. The city’s neighborhoods are distinct, each offering a different slice of San Diego life: North Park is famous for its craft breweries and art scene, La Jolla for luxury seaside living, and Pacific Beach for vibrant nightlife. Families and tourists are drawn to the world-famous San Diego Zoo, SeaWorld, and LEGOLAND, making it a hub for family-friendly activities and educational experiences.


Balancing urban life with a deep connection to the ocean and natural landscapes, San Diego embodies a unique mix of chill beach vibes and high-energy city life. Locals enjoy an active lifestyle, often spending weekends hiking, biking, or sailing in the bay. With year-round sunshine and a warm, welcoming community, San Diego captures the essence of Southern California living. From surfboards to sunsets, the city promises an endless adventure for anyone who visits or calls it home.

San Diego Neighborhoods We Serve for Hard Money Lending

HWH San Diego Hard Money Lender - Real Estate shows a clear aerial view of houses on a sunny day, highlighting the beauty and structure of a thriving neighborhood.

Why Choose HWH San Diego Hard Money Lender for Real Estate Financing?

  • Fast Approvals

    Time is crucial in real estate, and we get that. Our streamlined approval process cuts out unnecessary delays, allowing you to secure funding quickly and seize the best opportunities without missing a beat.

  • Flexible Terms

    Every project is unique, and so are your financing needs. With HWH San Diego Hard Money Lender, you’ll get flexible loan terms that align with your investment goals, making it easy to find the right fit for your next venture.

  • Local Market Expertise

    As a San Diego-based lender, we have in-depth knowledge of the local market. This means we’re able to offer tailored insights and support, so you can make smarter, more informed investment decisions.



  • Simplified Qualification Process

    Forget the hurdles of traditional financing. Our loan options—including DSCR and Bank Statement Loans—are designed for investors, focusing on property potential rather than rigid income requirements.



  • Dedicated Support

    We believe in building lasting partnerships. Our team is here to provide one-on-one guidance throughout your project, ensuring you have the support you need every step of the way.

Testimonials from Investors Who Trust HWH San Diego Hard Money Lender

— Alex M., Real Estate Investor

"Working with HWH San Diego Hard Money Lender was a game-changer for my fix-and-flip projects! Their team understood my timeline and got me approved fast, so I could focus on renovating and selling. The process was smooth and stress-free, and the flexible terms made it easy to manage my cash flow. I highly recommend them for any investor looking for reliable funding!"

— Rachel T., Property Developer

"I’ve used HWH San Diego Hard Money Lender for multiple deals now, and they’ve exceeded my expectations every time. They really understand the San Diego market, which helped me make smart decisions on my multifamily investments. The support and guidance they offered throughout the process were unmatched, and their team truly cares about helping you succeed."

— Mark R., Construction Entrepreneur

"HWH made my first ground-up construction project a breeze. I was worried about getting the right financing, but their team walked me through each step and got me the funding fast. The flexible loan terms at HWH San Diego Hard Money Lender were perfect, and they answered all my questions with patience and expertise. I wouldn’t go anywhere else for hard money loans!"