Thank you for spending a few moments with Alliance Portfolio. It is here where San Diego property investors can secure real estate investment capital, designed for building wealth. We fund you. You build wealth. Communities become enhanced. It becomes a ‘win-win-win’ situation, and Alliance Portfolio has hard lender money loans that accommodate our clients’ diverse needs.
You may be contemplating your first move in the San Diego investment arena, or you may desire to expand your existing portfolio. Either way, our professionals are innovative, progressive, and responsive. We know time is money, and you want your investment visions to become 3-D realities, as quickly as possible – we get it! And if you are new to this investment arena, no problem since no prior experience is necessary.
We empower investors throughout California – Orange County, Los Angeles, San Diego, San Jose, San Francisco, and the surrounding Bay Area – with loans from 100K to 10M as well as a vast array of specialized services and resources. During the past 30 years, we have helped fund thousands of California properties.
Why Not Seek a Conventional Loan?
So, why not seek a conventional loan instead of a hard money loan? There are a number of valid reasons. Conventional loans place a huge importance on a borrower’s income and credit standing. At Alliance Portfolio, our emphasis focuses on the value of the San Diego property that would be collateralized and how well the property’s income would support the monthly debt.
If we break down some of the overarching advantages of hard lender money loans, their benefits become very obvious, very quickly:
- When a traditional lender will not approve a loan due to one’s credit, hard money lenders do. Our loans are, often, approved within 24 hours or less. This is critical for time-sensitive transactions that require immediate attention.
- A traditional lender may not finance 100% of the investment money required, but hard money lenders are more apt to. At Alliance Portfolio, we provide loan amounts from 100K to 10M.
- Real estate investors cannot use traditional financing to purchase distressed properties deemed as flip homes, but we provide hard lender money for that option.
- A conventional loan can take up to a month, or longer, to close, but we offer quick-close financing in as little as 5-10 days – time is money!
- Conventional loans are, typically, 15 to 30 year terms. Hard lender money loans provide a short-term option of 1-3 years. San Diego investors can pay off the balance as soon as a property sells.
- Institutional lenders won’t finance some property types, such as mixed-use properties, but hard money lenders do.
If investors had to depend on conventional loans, most would be forced to ride off into the sunset, empty handed, since most do not have enough money to self-fund. After it’s all said and done, timing is everything in this business. Our professionals are responsive and ready to help investors capitalize on those critical windows of opportunity.
We’re Here to Help
As a full service, private lender for San Diego investors, our emphasis is not on one’s credit history but on our clients having a sufficient cash flow as well as a sound exit strategy for loan repayment. Your exit strategy is the same as having a back up plan. Deciding your exit strategy before you invest is imperative.
At Alliance Portfolio, we offer a vast selection of loans and services – many of our San Diego clients have qualified for our hard money loans with just 6 months of bank statements. Also, we impose no credit or debt-to-income restrictions!
Also, our San Diego clients enjoy the fact that their hard money debts are not recorded on their credit reports! Our clients can maintain a clean credit report and maintain their current debt-to-income ratio for any traditional financing they may seek in the future for themselves or their families.
Free Resources, at Your Fingertips
Alliance Portfolio provides investment and Business Purpose Financing on SFR, Multi-Family, Mixed-Use, Commercial, Light Industrial properties, and land properties. We offer a generous selection of free resources which provide valuable insight on a multitude of finance-related topics – knowledge is power!
The more our San Diego investors know about hard lender money and the lending processes involved, the more successfully they can navigate their investment decision-making into wealth-building campaigns.
