Hard Money Lender — San Diego
San Diego Real Estate Rewards Speed. We Deliver It.
From North County flips to ADU projects in the city's pro-density neighborhoods, San Diego investors compete against deep-pocketed buyers in a supply-starved market. Direct private capital is how you win anyway.
All eight CDF loan programs — flip, bridge, construction, probate, cash-out, and more — available across San Diego County, $50K to $5M.
Why CDF in San Diego
A Direct Lender That Knows San Diego County
San Diego combines coastal-city values with a genuinely diverse economy — military, biotech, tourism, and a deep small-business base. For investors that means steady demand across every product type: renovation projects in established neighborhoods like El Cajon and Vista, ADU additions in the city's transit corridors, and bridge scenarios on higher-value coastal assets.
We've lent across San Diego County since 2009 as one of our five core Southern California counties. Same direct model as everywhere we lend: our own capital, in-house underwriting, preliminary terms in 24 hours, and closings in as few as 7 days.
Every Program. Every City.
- Closings in as few as 7 business days
- Loan amounts from $50K to $5M
- Asset-based underwriting — no credit minimums
- No tax returns required
- Direct decisions from the people funding the loan
- 24-hour response on every inquiry
San Diego Lending
What We Fund in San Diego County
Local market knowledge isn't a slogan — it's how the deals actually get underwritten.
North County & East County Flips
Oceanside, Escondido, Vista, El Cajon — the county's renovation belt. Up to 75% ARV with structured rehab draws for cosmetic refreshes through full guts.
ADU-Friendly City Policies
San Diego has some of California's most ADU-friendly rules, and homeowners are building. Our ADU program funds 75–85% of cost, from garage conversions to detached new units.
Military & Veteran Investors
San Diego's military community invests heavily in local real estate. When VA or conventional routes don't fit an investment deal's timeline, our asset-based lending does.
Coastal Bridge Scenarios
La Jolla to Carlsbad — when the right property surfaces in a coastal market, a 7-day close beats every financed buyer in line. Up to $5M.
Self-Employed & Biotech Contractors
Consultants, founders, and contract professionals with complex income — we underwrite the asset, not the W-2 you don't have.
Probate & Trust Sales
Long-held San Diego family properties in probate or trust administration. Court-experienced structuring for buyouts, settlements, and confirmations.
Loan Programs
Every CDF Program, Available in San Diego
Eight specialized programs — one direct lender.
Service Area
Cities We Serve in San Diego County
A representative list — we lend county-wide, and everywhere else in California.
Common Questions
San Diego Lending FAQs
Do you lend in San Diego County?
Yes — San Diego is one of our five core Southern California counties, from the South Bay to Fallbrook, coast to East County.
Can you fund ADU construction in San Diego?
Yes. Our dedicated ADU program funds 75–85% of construction cost with milestone-based draws — detached units, garage conversions, attached ADUs, and JADUs.
How do San Diego investors typically use your loans?
Flips in North and East County, ADU additions in the city, bridge loans on competitive purchases, and cash-out refinancing to fund the next acquisition. All business-purpose, secured by California real estate.
How quickly can a San Diego loan close?
As few as 7 business days from completed application. Call (626) 796-1680 and you'll have preliminary terms within 24 hours.
More Service Areas
Lending Across Southern California
Have a San Diego Deal? Let's Talk.
One call gets you a straight answer and preliminary terms within 24 hours — from a direct lender that's been funding San Diego County real estate since 2009.
All loans are business-purpose loans secured by California real estate. Rates, LTVs, and terms are program starting points — final terms are deal-specific. DRE# 01885595 | NMLS# 1159831