While we specialize in residential construction financing, we also offer private financing on non-owner-occupied residential properties.  Additionally, we loan on both commercial and land/lots.

Property Geographic Area Details
Loan Amounts
$75,000 to $2,500,000
Interest Rates
9.5% to 11.25%
Loan Terms
10 months to 56 months
Origination Fees
2% to 6%
Lien Position
Collateral Types
  • Residential Property
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Invest in a Business
  • Business Working Capital
  • Value Add Project
  • Development Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Owner Occupied Commercial

Property Types

  • 2-4 Units Residential
  • Adult Day Care
  • Agricultural
  • Assisted Living Facility
  • Auto Dealership
  • Bed and Breakfast
  • Car Wash
  • Child Day Care
  • Commercial Condominium
  • Commercial Land
  • Community Center
  • Condominium
  • Equestrian
  • Event Center
  • Gym
  • Healthcare
  • Hostel
  • Hotel
  • Industrial
  • Manufactured Home
  • Mixed-Use
  • Motel
  • Multifamily
  • Night Club
  • Office
  • Parking Lot
  • Place of Worship
  • Portfolio of Residential Properties
  • RV Park
  • Ranch
  • Recreational
  • Religious Facility
  • Residential Land
  • Retail
  • Senior Housing
  • Single Family Residence
  • Sports Facility
  • Storage Facility
  • Student Housing
  • Vehicle Parking
  • Winery

Loan Types

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

Specialty Loan Types

  • Commercial Permanent Financing
  • Condo Conversion
  • Land Development
  • Partner Buyout
  • Primary Residence Business Purpose Cash Out
  • Residential Long-Term Rental
  • Subdivisions

Agribusiness Types

  • Cattle Ranch
  • Citrus Grove
  • Corn
  • Cotton
  • Dairy
  • Equestrian
  • Melons
  • Peach
  • Peanuts
  • Potatoes
  • Poultry
  • Row Crops
  • Swine
  • Tree Nuts
  • Vegetables

Land Types Considered

  • Residential Land
  • Multifamily Land
  • Industrial Land
  • Office Land
  • Retail Land
  • Hospitality Land
  • Agricultural Land
  • Special Purpose Land
  • Covered Land

Will Consider Land That is NOT Entitled


Max LTV for Land


Max LTC for Land Acquisition


Max Loan-to-Purchase Price


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Family

Experience Required


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Typical Number of Days for Funds Draw


Maximum After Repair Value

We specialize in construction lending throughout California.

Development Experience Required


Minimum Number of Ground-Up Construction Projects Completed by Borrower


Max LTC for Ground-Up Construction Costs


Will Lend on Partially Completed Construction Projects


Fees which are mandatory for all new borrower clients

  • Processing Fee
  • Documents Fee
  • Legal Fee
  • Title Fee

Fees which are paid to a third party company

  • Title Fee

Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


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


Will lend to a foreign national


Foreign nationals must have a TIN/taxpayer ID number.
Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


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


Appraisal Required for Residential Property


Appraisal Required for Commercial Property


Broker Price Opinion (BPO) Accepted for Residential Property


Broker Price Opinion (BPO) Accepted for Commercial Property


Get In Touch

San Diego Private Money pays us to be listed, so there is no fee to connect with them directly. Share your loan request, send a simple email, call, or visit their website.

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Specializing in arranging loans funded through private capital and based in San Diego,  we have arranged thousands of loans throughout California and brings decades of experience to private lending. Our loan officers and senior staff have each been involved in private lending for a minimum of twelve years. With our staff of seasoned professionals, you can be certain we have the broad base of experience to qualify and manage the loan process from start to finish.


CA DRE Broker Lic. 00804375

Company Size (Number of Employees)


Year Established



  • California Mortgage Association

Office Locations

3914 Murphy Canyon Road, Suite A250, San Diego, California 92123

Primary Capital Source
  • Own Funds
  • Individual Investors
  • Friends & Family
Loan Structure for Majority of Loans
  • One Investor One Loan
  • Multiple Investor Fractionalized Note
  • Multiple Lender Participation
Percentage of Loans Secured by Residential Property


Our Team

Terri Proffer

Associate Broker

CA Dept of Real Estate Broker's License - 01895947

Johanna Rivera

Loan Servicing Mgr & Senior Loan Officer

CA Dept of Real Estate Salesperson License - 01343578

Gina Salas


CA Dept of Real Estate Broker's License - 00943518

Get In Touch

San Diego Private Money 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

Contact This Lender

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Our Minimum Loan Amount Is


What We Do

  • Lending on CA Investment Properties
  • Ground-Up Construction Loans

Not Available

  • NO Owner-Occupied Homes
  • NO 100% Financing

Send an email to San Diego Private Money