Hard money lender in San Diego
Hard money loans in San Diego County, funded directly.
From La Jolla to Rancho Santa Fe, Alliance Portfolio funds business-purpose loans against San Diego County real estate on its own capital. Bring us a maturing loan, a capital need or a deadline, and the people who underwrite and fund the loan will look at it directly.
The usual shape of the loan.
What a San Diego County loan from Alliance Portfolio usually looks like.
What San Diego borrowers usually bring us.
A loan coming due
A repeat client’s lien on a Windansea vacation rental in La Jolla was nearing maturity. A $3 million first trust deed at 66.67% loan-to-value retired it, and they kept the property.
Capital for a business
Borrowers needed capital for their company ahead of a planned merger or sale. We funded a $6.2 million first trust deed on their Rancho Santa Fe estate at 42.76% loan-to-value, on a 24-month term.
Keeping the first mortgage
Rancho Santa Fe owners wanted to pay off business liens without refinancing a $2.6 million first. A $3.5 million second trust deed did it, at 58.37% combined loan-to-value.
Funded in San Diego.
San Diego County transactions, with the loan amount, lien position, leverage and term each one carried.
$3M
Vacation rental residence · La Jolla, California
- First trust deedPosition
- 66.67%LTV
- 36 monthsTerm
La Jolla, California
A first trust deed that retired a maturing lien.
View success story
$6.2M
Estate compound · Rancho Santa Fe, California
- First trust deedPosition
- 42.76%LTV
- 24 monthsTerm
Rancho Santa Fe, California
Business capital ahead of a planned merger or sale.
View success story
$3.5M
Single-family residence · Rancho Santa Fe, California
- Second trust deedPosition
- 58.37%Combined LTV
- KeptExisting first
Rancho Santa Fe, California
Business liens paid off, with the first mortgage left in place.
View success storyInvestments in trust deeds secured by one or more interests in real property are subject to risk of loss.
Alliance Portfolio • Real Estate Broker • CA DRE • 02066955 Broker License ID
San Diego hard money loans, the basics.
- How much can I borrow?
- Most loans run $1 million to $5 million. The amount depends on the property’s value, the equity under the loan and the lien position.
- How long are the terms?
- Usually 18 to 24 months, set around how the loan will be repaid: a sale, a refinance or finished work.
- How fast can it close?
- The average loan closes in about 10 days. Some move faster and some take longer, depending on the file.
- What do you lend on?
- Residential, multifamily, commercial and land held for business or investment purposes, in first or second position. We don’t make consumer loans on a home the owner lives in.
- Who will I deal with?
- Alliance Portfolio originates, underwrites, funds and services its own loans, so the answer comes from the people responsible for it.
Rates and fees Loan programs Borrower questions Orange County Los Angeles Bay Area
- 01Send the scenario
- 02Get a direct review
- 03Structure the loan
- 04Fund
Send us the San Diego scenario.
Send us the basics. We will take a real look at the property, equity, structure and timing and tell you whether there is a path worth pursuing. You hear back from the people who make the decision.