Lantzman Lending provides direct financing through private real estate loans secured by non-owner occupied residential, commercial, industrial, and multi-family residential real estate. Lantzman Lending finances all types of real estate, which includes, fix and flip loans, construction loans, refinance loans, and commercial loans. It is very easy to apply for a loan and you will receive an answer usually within 24 hours. When considering your application we will primarily review the collateral to the loan. The strength of the deal is the main determining factor in the loan underwriting. However, we also review your ability to repay, credit-to-debt ratio, cash reserves, and your experience level. We provide these hard money loans in California, Texas and Nevada.

As a Borrower with Lantzman Lending, no matter the type of real estate, we have a loan product to fit your needs. Whether you hold Title in a company entity (LLC, Corp, Trust, etc.) or personal name, our team is experienced and ready to handle all transaction types. Being primarily asset based lenders allows us to require only a one page application to get started and return a quote usually within 24 hours. Brokers are encouraged to work with us and we value our relationships with them.

Property Geographic Area Details
California, Texas, Nevada
Loan Amounts
$50,000 to $3,000,000
Interest Rates
8.5% to 11.99%
Loan Terms
6 months to 24 months
Origination Fees
1.5% to 4%
Lien Position
1st
Collateral Types
  • Residential Property
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Value Add Project
  • Development Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Owner Occupied Commercial

Property Types

  • 2-4 Units Residential
  • Assisted Living Facility
  • Car Wash
  • Commercial Condominium
  • Condominium
  • Gas Station
  • Industrial
  • Mixed-Use
  • Motel
  • Multifamily
  • Office
  • RV Park
  • Retail
  • Single Family Residence

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Residential Ground-Up Construction

Specialty Loan Types

  • Line of Credit Single Property

Max Loan-to-Purchase Price

85%

Borrower Must Have Property Under Contract

yes

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

no

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Equity in Another Investment Property
  • Seller Financing
  • Family

Experience Required

yes

Minimum Number of Value-Add Projects Completed by Borrower

1

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

100%

Interest Charged for Renovation Costs

Only on Funds Drawn

Typical Number of Days for Funds Draw

1

Development Experience Required

yes

Minimum Number of Ground-Up Construction Projects Completed by Borrower

1

Max LTC for Ground-Up Construction Costs

100%

Interest Charged for Construction Costs

Only on Funds Drawn

Will Lend on Partially Completed Construction Projects

yes

Documents Fee

$600

Fees which are mandatory for all new borrower clients

  • Documents Fee

Details and Requirements

Typical Closing Time (Days)

10

Fastest Closing Time (Days)

3

Payment Structure
  • Interest Only
  • Amortized
  • Interest Reserve
Pre Payment Penalty

no

Will lend to a foreign national

yes

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

yes

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
  • Non-Profit Corporation
  • Self-Directed IRA
Documentation Required
  • Tax Returns
  • Bank Statements
  • Financial Statements
  • Loan Application
Personal Guaranty (Recourse) Required
Sometimes
Credit Check Required

no

Appraisal Required for Residential Property

Sometimes

Appraisal Required for Commercial Property

Sometimes

Broker Price Opinion (BPO) Accepted for Residential Property

Sometimes

Broker Price Opinion (BPO) Accepted for Commercial Property

Sometimes

Additional Details

Loans made or arranged outside of California must be represented by a Mortgage Broker qualified to do business in that State.

Lantzman Lending Testimonials

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Lantzman Lending  is a direct private money lender that provides financing through loans secured by non-owner occupied residential, commercial, industrial, and multi-family residential real estate.

With more than 50 years of combined experience, the officers of  Lantzman Lending have organized operations around sound business practices, integrity, efficiency, and practical approaches to real estate lending.  Lantzman Lending prides itself in being able to provide financing to a wide variety of real estate investors by creatively tailoring loan programs around the needs of a particular borrower.  As a direct lender, we have the flexibility to accommodate most scenarios with the intent of ensuring the success of the borrower.

License

CA DRE #01522724, CFL #603E104, NMLS #1578116, MLD #4649 and 4615

Year Established

2008

Office Locations

Main Office
11696 Sorrento Valley Road, Suite 201, San Diego, California 92121

Nevada Office
6671 S. Las Vegas Boulevard, Suite 210, #228, Las Vegas, Nevada 89119

Primary Capital Source
  • Debt Fund We Manage
Alternative Capital Sources
  • Own Funds
Loan Structure for Majority of Loans
  • Own Balance Sheet
Percentage of Loans Secured by Commercial Property

20%

Percentage of Loans Secured by Residential Property

80%

Our Team

Joel Armstrong

Vice President

NMLS - 383660

Funded Deals

Get In Touch

Lantzman Lending pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
subscribe-illustration
Before You Contact Us

Our Minimum Loan Amount Is

$50,000

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