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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%
Max Loan-To-Value
80.00%
Max Loan-To-Cost
100.00%
Origination Fees
2.75% to 4%
Loan Terms
3 months to 180 months
Lien Position
- 1st
- 2nd
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 and Loan Types
Collateral Types
- Residential Property
- Commercial Property
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 Liens
Junior Lien Loan Amounts
$50,000 to $500,000
Junior Lien Interest Rates
11% to 14%
Junior Lien Loan-to-Value
65.00%
Junior Lien Loan-to-Cost
65.00%
Junior Lien Origination Fees
2.75% to 4.00%
We Fund Junior Position Loans
Rarely
Junior Lien Types
- Refinance
- Equity Cash Out
Agribusiness Loan
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
yesMaximum LTV for Cannabis Use Properties
75.00%Cannabis Property Use Type
- Retail Dispensary
- Manufacturing
- Processing
- Production
Land Loan
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
yesExisting Land Improvements Required
- Street Access
- Electricity
- Gas
- Water
Max LTV for Land
50.00%Max LTC for Land Acquisition
50.00%Purchase Loan
Max Loan-To-Purchase Price
75.00%Borrower Must Have Property Under Contract
yesWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
yesAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Another Investment Property
- Equity in Primary Residence
- Family
Rehab Value Add Loan
Experience Required
yesMinimum Number of Value-Add Projects Completed by Borrower
1Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
100.00%Interest Charged for Renovation Costs
Entire Amount of Total Project CostsTypical Number of Days for Funds Draw
5Details and Requirements
Typical Closing Time (Days)
15Fastest Closing Time (Days)
7Works With
- Brokers
- Borrowers
Payment Structure
- Interest Only
- Amortized
Pre Payment Penalty
yes
6 Month Prepayment Penalty on Hold, 3 Month Prepayment Penalty on FlipsWill lend to a foreign national
yes
Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage
yesWill Consider Collateralizing Multiple Properties in One Loan
yesWill 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
AlwaysCredit Check Required
yesAppraisal Required for Residential Property
SometimesAppraisal Required for Commercial Property
SometimesBroker Price Opinion (BPO) Accepted for Residential Property
SometimesBroker Price Opinion (BPO) Accepted for Commercial Property
SometimesFees
Processing Fee
$795.00
Minimum Origination Fee Amount
$2,500
Fees which are mandatory for all new borrower clients
- Processing Fee
Fees which are charged upfront prior to loan closing
- Appraisal Fee
Fees which are paid to a third party company
- Deposit
- Appraisal Fee
- Title Fee
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 95350Primary Capital Source
- Individual Investors
Alternative Capital Sources
- Other Private Lending Companies
Loan Structure for Majority of Loans
- One Investor One Loan
Alternative Loan Structures
- Multiple Investor Fractionalized Note
Percentage of company’s lending business focused on private mortgage
80%
Company’s Other Business Activities Besides Private Mortgage Lending
- Commercial Mortgage Brokerage
- Residential Mortgage Brokerage
- Note Investing
Percentage of Loans Secured by Commercial Property
20%
Percentage of Loans Secured by Residential Property
80%
Percentage of Residential Property Loans Which are Fix and Flip
50%
Percentage of Residential Property Loans Which are Buy and Hold
50%
Percentage of Residential Property Loans Which are Owner-Occupied
30%
Percentage of Loans Secured by Land
10%

Sonya Morgan
Broker, Owner
DRE/NMLSSonya has over 17 years experience in Real Estate and Lending. Sonya brings industry knowledge, practice and standards to the table. Her business acumen along with good relationship management allows her to effectively match solid opportunities to investor’s portfolio needs.
License InformationCA DRE Broker - 01258854
NMLS ID - 856797

Katelin New
Processor/Loan officer
DRE/NMLSKatelin is an experienced processor and licensed loan officer. She has great customer service and makes sure clients feel valued and taken care of.
License InformationCA DRE - 02051946
NMLS ID - 1694138