The SJ Morgan Private Lending Exchange is a private / hard money lending company that offers loans secured by residential and commercial real estate throughout California.

Property Geographic Area Details
All Counties in California
Loan Amounts
$50,000 to $1,000,000
Interest Rates
9% to 14%
Loan Terms
3 months to 180 months
Origination Fees
2.75% to 4%
Lien Position
1st, 2nd
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
  • Primary Residence Purchase
  • Personal Use
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Owner Occupied Commercial
  • Owner Occupied Residential

Property Types

  • 2-4 Units Residential
  • Agricultural
  • Cannabis Dispensary
  • Cannabis Grow Facility
  • Commercial Condominium
  • Commercial Land
  • Condominium
  • Golf Course
  • Industrial
  • Manufactured Home
  • Mixed-Use
  • Mobile Home
  • Mobile Home Park
  • Motel
  • Multifamily
  • Office
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • RV Park
  • Ranch
  • Residential Land
  • Retail
  • Single Family Residence
  • Student Housing

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Rehab and Rent
  • Residential Owner-Occupied

Specialty Loan Types

  • 2nd Mortgage Equity Cash Out
  • Land Development
  • Residential Long-Term Rental
  • Cannabis Use Properties
  • Primary Residence Bridge
  • Primary Residence Business Purpose Cash Out
  • Residential Non-Prime

Junior Lien Loan Amounts

$50,000 to $500,000

Junior Lien Interest Rates

11% to 14%

Junior Lien Loan-to-Value

65%

Junior Lien Loan-to-Cost

65%

Junior Lien Origination Fees

3% to 4%

We Fund Junior Position Loans

Rarely

Junior Lien Types

  • Refinance
  • Equity Cash Out

Agribusiness Types

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

Will Consider Cannabis Use Properties

yes

Maximum LTV for Cannabis Use Properties

75%

Cannabis Property Use Type

  • Retail Dispensary
  • Manufacturing
  • Processing
  • Production

Land Types Considered

  • Residential Land
  • Multifamily Land
  • Industrial Land
  • Office Land
  • Retail Land
  • Agricultural Land
  • Special Purpose Land
  • Cannabis Use Land

Will Consider Land That is NOT Entitled

yes

Existing Land Improvements Required

  • Street Access
  • Electricity
  • Gas
  • Water

Max LTV for Land

50%

Max LTC for Land Acquisition

50%

Junior Lien Types

  • Refinance
  • Equity Cash Out

Max Loan-to-Purchase Price

75%

Borrower Must Have Property Under Contract

yes

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

yes

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Another Investment Property
  • Equity in Primary Residence
  • 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

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw

5

Processing Fee

$795.00

Minimum Origination Fee Amount

$2,500

Fees which are mandatory for all new borrower clients

  • Processing Fee

Fees which are paid to a third party company

  • Deposit
  • Appraisal Fee
  • Title Fee

Details and Requirements

Typical Closing Time (Days)

15

Fastest Closing Time (Days)

7

Payment Structure
  • Interest Only
  • Amortized
Pre Payment Penalty

yes

6 Month Prepayment Penalty on Hold, 3 Month Prepayment Penalty on Flips
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

There are times when a loan is not available due to lack of equity on transactions that have great potential towards profits. We are able to arrange alternative structures, such as joint ventures and partnerships when they are in the best interest of all parties involved.
Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
Documentation Required
  • Credit Report
  • Tax Returns
  • Bank Statements
  • Financial Statements
  • Loan Application
Personal Guaranty (Recourse) Required
Always
Credit Check Required

yes

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

Get In Touch

SJ Morgan Private Lending Exchange 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.

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The SJ Morgan Private Lending Exchange is a company that matches borrowers who are seeking funds to purchase or refinance commercial or residential properties with private investors who are looking for solid real estate investments. We are based in the Central Valley but do business throughout California.

License

CA DRE Lic. #01979578, NMLS #1569114

Year Established

2014

Office Locations

1110 Tully Road, Suite B, Modesto, California 95350

Primary Capital Source
  • Individual Investors
Alternative Capital Sources
  • Other Private Lending Companies
Loan Structure for Majority of Loans
  • One Investor One Loan
Percentage of Loans Secured by Commercial Property

20%

Percentage of Loans Secured by Residential Property

80%

Our Team

Sonya Morgan

Broker, Owner

CA DRE Broker - 01258854
NMLS ID - 856797

Katelin New

Processor/Loan officer

CA DRE - 02051946
NMLS ID - 1694138

Get In Touch

SJ Morgan Private Lending Exchange 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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