Borrower Loan Programs for San Diego Investors

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At HWH San Diego Hard Money Lender - Real Estate, we help local real estate investors access fast, flexible hard money loans designed to close deals quickly. Whether you’re flipping a home, building new construction, or bridging the gap between properties, our tailored loan programs give you the funding you need without the red tape of traditional banks. We specialize in asset-based lending, helping you act fast in San Diego’s competitive real estate market.

Fix and Flip Loans

Turning distressed properties into profits takes speed and capital. Our Fix and Flip Loans provide quick funding so you can purchase, renovate, and sell homes without delays. With fast approvals, flexible terms, and a team that understands San Diego real estate, we make it easier to move on deals and maximize your returns. Skip the long wait times from banks and secure financing that keeps your projects moving.

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DSCR Loans

Building wealth through rentals? Our DSCR Loans let you qualify based on your property’s income potential, not just your personal finances. This makes it easier to refinance or acquire rental properties that deliver steady cash flow. With simplified underwriting and local expertise in the San Diego market, we help you grow your portfolio faster while avoiding the stress of traditional loan processes.

Ground Up Construction Loans

Ready to build from the ground up? Our Ground Up Construction Loans cover everything from land acquisition to final construction costs. Whether you’re developing single-family homes, multi-unit properties, or small commercial projects, we offer competitive rates and flexible terms that match your timeline. As a trusted San Diego hard money lender, we work closely with you to keep your build moving smoothly from start to finish.

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Bridge Loans

Timing is everything in real estate. Our Bridge Loans give you short-term funding to secure properties, handle transitions, or refinance quickly while waiting on long-term financing. These loans are designed for investors who need speed and flexibility to avoid missing out on opportunities in San Diego’s fast-paced market. With us, you can close deals on time and stay ahead of the competition.

Multifamily Loans

Looking to scale your rental income? Our Multifamily Loans make it easy to finance apartment buildings, duplexes, and larger residential investments. With tailored solutions for San Diego property investors, we help you acquire or refinance multi-unit properties without the hurdles of traditional lenders. Get the funding you need to grow your real estate business and secure long-term wealth.

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Bank Statement Loans

Not every investor fits the traditional lending mold. Our Bank Statement Loans are designed for self-employed borrowers or those without standard W-2 documentation. We qualify you based on your actual bank deposits, making it faster and easier to access capital for your next deal. With streamlined hard money loans in San Diego, we cut through unnecessary paperwork and get your funding approved quickly.

Frequently Asked Questions

Got a question? We’re here to help.

  • What is a hard money loan?

    A hard money loan is any loan secured by a “hard asset” like commercial or residential real estate. It is sometimes called a bridge loan, private capital loan or private loan. A hard money loan is a first mortgage on investment real estate. A hard money lender looks to the property as the primary collateral as opposed to the borrowers credit score or other factors. A hard money loan is an alternative to a traditional bank loan.



  • Do I pay any costs upfront?

    There are no upfront costs that Heritage Wealth Holdings LLC will charge to the borrower, the only cost that a borrower may be paying before close will be an appraisal - but that is done to a 3rd party, not to us.



  • Are there any pre-payment penalties?

    Generally, for residential bridge, ground-up, and fix-and-flip transactions there are no pre-payment penalties. For long-term loans, pre-payment penalties are standard but can be negotiated down to no pre-payment.

  • How long does it take to get a hard money loan?

    Getting a hard money loan is traditionally much faster than getting a traditional loan from a bank. That’s because the lender does not have to verify all your financial information. With Heritage Wealth Holdings LLC, you can get a hard money loan in an average of 14 days.

  • What types of assets do you lend on?

    Typically lending on residential assets from 1-9 units. We will consider 10+ units on a case-by-case basis. For these residential properties, we will look at ground-up, fix-and-flip, rental, or strictly bridge projects.



  • What is your minimum/maximum loan amounts?

    Generally for residential projects, our minimum loan amount will be $200,000 and a maximum of $5,000,000. We will consider higher/lower loan amounts on a case-by-case basis with mitigating circumstances. For large-scale development projects or multifamily/commercial projects we have higher limits.



  • What documents do I need to secure funding for a residential transaction?

    Here is a basic overview of the necessary documents that our loan officers will request/need from you:


    1) Loan Application


    2) 2 Months Bank Statements


    3) Driver's License


    4) Entity Documents (if property is vested in an entity)


    5) Appraisal


    6) Lease agreements + rent verification (if a DSCR loan)


    7) Scope of Work/Rehab Budget (if fix-and-flip)


    And that is IT for the majority of transactions we originate. We make it as easy as possible to receive financing.

  • What states do you currently lend in?

    We are currently lending 42 states! Easier than listing what states we lend in, here is a list of states we are currently not able to lend in:


    1) North Dakota


    2) South Dakota


    3) Minnesota


    4) Vermont


    5) Louisiana


    6) Utah


    7) Alaska


    8) Nevada


    New states are always opening up, so please check with a member of our team if you are in need of financing in the above state and we can see if there's an estimated timeline of when those states will be open to lend in.

  • What are the advantages of getting a hard money loan?

    Getting a traditional mortgage from a bank to rehab a property is difficult because banks don’t want to lend money to homebuyers who are not going to live in the home. Banks that lend this money do so at a higher interest rate, and approval takes so long that you often miss out on the sale. With a hard money loan, you get your cash quickly — within days. Sometimes a hard cash loan is the only avenue available for purchasing an investment property.