San Diego Bridge Lenders for Residential Investment Property

Are you seeking a bridge loan secured by residential property in the San Diego metro area? On this page you'll find a list of select bridge lenders for San Diego investment properties with 1 to 4 units. To get a 1st lien bridge loan, you must have at least 30% equity. Due to state laws and regulations, it's not possible to get a bridge loan for a homestead (owner-occupied primary residence) or 2nd home, but if that's what you're seeking, use the filters to change the loan type to 'Residential Owner-Occupied' and you may find some alternative lending options.
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ZINC Financial

$100,000 - $5,000,000
9 to 360 months
Kiavi

Servicing 12,000+ Real Estate Investors Across the Country

$100,000 - $3,000,000
12 to 360 months
Arch Loans

Low and High Leverage Options, up to 90% of purchase price for fix & flip

$100,000 - $10,000,000
1 to 12 months
8.00% - 15.00%
1.00% - 3.00%
Nationwide Mortgage - California

Bridge, Rehab, Construction, & Rental

$100,000 - $10,000,000
4 to 360 months
7.25% - 12.50%
0 - 2.00%
Cityscape Finance, LLC

Price a Loan Online and Get Pre-Qualified Instantly

$125,000 - $4,000,000
6 to 36 months
9.99% - 12.75%
Center Street Lending

Smarter Loans for Residential Investors

$100,000 - $40,000,000
6 to 24 months
9.00% - 12.50%
0.50% - 2.00%
Lima One Capital

The Nation's Premier Lender for Real Estate Investors

$75,000 - $20,000,000
13 to 360 months
7.20% - 12.10%
0.25% - 2.50%
Conventus

We Fund Fast While Providing Excellent Service and Competitive Pricing

$150,000 - $100,000,000
6 to 60 months
9.00% - 12.99%
0 - 2.00%
Secured Capital Lending

Direct Private Lender for California Investment Properties

$100,000 - $20,000,000
12 to 360 months
8.99% - 11.99%
1.00% - 2.00%
MOR Financial

Direct Lender for California Investment Properties

$100,000 - $3,000,000
6 to 36 months
7.99% - 11.99%
0 - 3.00%
RCN Capital

Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans

$75,000 - $10,000,000
12 to 360 months
8.00% - 13.00%
2.00% - 5.00%
Easy Street Capital

Direct Lender for Residential Flips and Rentals

$75,000 - $2,000,000
6 to 12 months
9.90% - 12.90%
1.50% - 3.00%
PrideCo Loans Inc.

Family Office Hard Money Lender for Multifamily and Residential Investment Properties

$150,000 - $3,000,000
6 to 18 months
10.50% - 12.00%
1.00% - 2.00%
American Heritage Lending

Direct Lender for Residential Real Estate Investors Nationwide

$100,000 - $5,000,000
12 to 360 months
8.00% - 12.00%
1.00% - 3.00%

Select a Metro Area

California is an enormous state, and most bridge lenders are selective about where they lend, so filter your search by selecting a metro area:

Northern California: SF Bay Area | Sacramento | Lake Tahoe

Southern California: Los Angeles | San Diego | Orange County | Riverside County | San Bernardino County | Santa Barbara

Central California: Central Valley | Bakersfield | Fresno

California Bridge Loan Interest Rates

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According to the loan documents software company, Lightning Docs, the average interest rate for California bridge loans in the 1st quarter of 2024 was 11.23%. The average loan amount was $659,373. These stats are the average of 877 short-term loans (including rehab and ground-up construction loans) funded for properties in California between January 1, 2024 and March 31, 2024 by multiple bridge lenders that use Lightning Docs as their preferred software provider to prepare loan documents.

 

analytics logics logo

According to private lending data provider, Analytics Logics, the average interest rate for bridge loans secured by residential investment properties in California in the 1st quarter of 2024 was 10.69%. Lenders charged an average of 1.4% points (origination fee). The average LTV (loan-to-value) for bridge loans in California was 64%, and the average loan amount was $808,910. These stats are the average of all the loans which were funded between January 1, 2024 and March 31, 2024 by the many private lenders who use Liquid Logics’ loan origination software to manage their lending operations.

Top 10 California Bridge Loan Lenders

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According to Forecasa™, here are the Top 10 Bridge Lenders ranked by the number of bridge loans originated in California in the last 12 months from March 2024.

  1. Kiavi
  2. Anchor Loans
  3. Val Chris Investment Inc
  4. Center Street Lending
  5. Conventus LLC
  6. Easy Street Capital
  7. Provident Trust Group
  8. Merchants Mortgage and Trust Corporation
  9. Fundloans Capital
  10. Genesis Capital

Forecasa™ provides analytics data for California bridge loans on a quarterly basis. You’ll find their top lenders data for many other states on our platform.

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