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San Diego Private Money

San Diego Private Money is a private lender based in San Diego, specializing in residential construction financing and offering loans for various property types, including commercial and land. Established in 1978, they provide a range of loan structures with flexible terms and competitive rates throughout California.

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.

Common Loan Scenarios
  • Lending on CA Investment Properties
  • Ground-Up Construction Loans
Scenarios Not Considered
  • NO Owner-Occupied Homes
  • NO 100% Financing

Details and Requirements

Property Geographic Area Details

California

Loan Amounts

$75,000 to $2,500,000

Interest Rates

9.5% to 11.25%

Origination Fees

2% to 6%

Loan Terms

10 to 56 months

Lien Position

1st

Credit Check Required

no

Prepayment Penalty

no

Typical Closing Time (Days)

10

Fastest Closing Time (Days)

2

Payment Structure
  • Interest Only
  • Amortized
  • Interest Reserve
Personal Guaranty (Recourse) Required
Never
Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
  • Non-Profit Corporation
  • Self-Directed IRA
Documentation Required
  • Credit Report
  • Loan Application
Appraisal Required for Residential Property

Always

Appraisal Required for Commercial Property

Always

Broker Price Opinion (BPO) Accepted for Residential Property

Sometimes

Broker Price Opinion (BPO) Accepted for Commercial Property

Never

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will lend to a foreign national

yes

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

no

Will Consider Equity Joint Venture

no

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

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.

Office Locations

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

Connect with San Diego Private Money:

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

Broker

CA Dept of Real Estate Broker's License - 00943518

Info Our minimum loan amount is $75,000

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