Loan Program
Residential Property Loans in Los Angeles, CA
Fast, flexible financing for residential investment properties throughout Southern California. Close in days, not months.
About Residential Property Loans
Residential property hard money loans provide real estate investors and property owners with expedited access to capital secured by residential real estate assets. Unlike traditional mortgage financing that relies heavily on borrower credit scores, income verification, and extensive documentation, hard money residential loans are primarily asset-based, focusing on the value and potential of the underlying property. This fundamental difference allows for significantly faster approval and funding timelines, often closing within 7-14 days compared to the 45-60 days typical of conventional lending.
In the competitive Los Angeles real estate market, speed and certainty of closing can mean the difference between securing a profitable investment property and watching it slip away to another buyer. Residential hard money loans bridge this gap by providing investors with the agility needed to act quickly on time-sensitive opportunities. These loans are secured by various types of residential properties including single-family homes, condominiums, townhouses, duplexes, triplexes, and fourplex properties throughout Los Angeles County and surrounding areas.
The flexibility of residential hard money financing extends beyond just speed. These loans accommodate a wide range of borrower situations that traditional lenders typically cannot serve, including self-employed individuals without traditional W-2 income, foreign nationals, borrowers with recent credit challenges, and investors who have reached conventional lending limits. With loan-to-value ratios up to 75% and terms designed specifically for investment strategies, residential hard money loans have become an essential tool for serious real estate investors in the Los Angeles market.
Our residential hard money loan programs are designed with investor success in mind. We understand the unique challenges of the Los Angeles real estate landscape, from the high-value properties in Beverly Hills and Santa Monica to the emerging opportunity zones in Downtown LA and the San Fernando Valley. Whether you're acquiring your first rental property, adding to an existing portfolio, or refinancing to unlock equity for new investments, our residential loan solutions provide the capital foundation you need to grow your real estate business.
Program Features
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How Investors Use Residential Property Loans
Investment Property Acquisition
Residential hard money loans excel at financing the purchase of investment properties when timing is critical. Los Angeles real estate moves quickly, and sellers often prioritize buyers who can close fast with certainty. Our acquisition financing allows investors to compete with cash buyers, securing properties at favorable prices before conventional financing can be arranged. This speed advantage often pays for itself through better purchase prices and access to off-market deals.
Rental Property Portfolio Growth
Build your rental portfolio faster by leveraging hard money financing to acquire properties, then refinance into long-term conventional loans once the property is stabilized. This strategy, known as the BRRRR method (Buy, Rehab, Rent, Refinance, Repeat), allows investors to scale their portfolios beyond the limitations of traditional lending restrictions. Our loans accommodate single-family rentals, condos, and small multifamily properties up to four units.
Distressed Property Opportunities
Many profitable real estate opportunities involve properties that don't qualify for conventional financing due to condition issues. Foreclosures, short sales, and properties requiring significant repairs often represent excellent investment potential but are inaccessible to buyers dependent on traditional loans. Residential hard money loans base decisions on property value rather than condition, opening these opportunities to savvy investors.
Bridge Financing Solutions
When you need to close on a new residential investment before selling an existing property, bridge financing provides the liquidity to execute both transactions seamlessly. This prevents losing opportunities due to timing mismatches and allows investors to move quickly when ideal properties become available. Bridge loans are particularly valuable in LA's fast-moving markets where good deals don't last long.
Frequently Asked Questions
What types of residential properties qualify for hard money loans?
We lend on single-family homes, condominiums, townhouses, duplexes, triplexes, and fourplex properties. Properties can be in any condition, from turnkey rentals to complete rehabs. We also finance non-owner-occupied properties only, hard money loans are for investment purposes and cannot be used for primary residences. Properties in all Los Angeles neighborhoods are eligible, though loan terms may vary based on location and market conditions.
What is the typical interest rate for residential hard money loans?
Interest rates for residential hard money loans typically range from 9% to 13% depending on the loan-to-value ratio, property type, borrower experience, and current market conditions. While higher than conventional mortgage rates, the speed, flexibility, and access to opportunities that hard money provides often more than offset the higher cost. Many investors view the premium rate as a cost of doing business in competitive markets where speed equals profit.
How quickly can you close a residential hard money loan?
We can typically close residential hard money loans within 7 to 14 days from application, assuming clear title and no major property issues. In urgent situations with complete documentation, we've closed in as few as 5 days. The key to fast closing is providing all requested documentation promptly including property information, entity documents if applicable, and insurance binders. We recommend starting the pre-approval process before you have a property under contract to move even faster when opportunities arise.
Do I need perfect credit to qualify for a residential hard money loan?
No, perfect credit is not required for residential hard money loans. While we do review credit reports, our primary focus is on the property value and your exit strategy. Borrowers with credit challenges, recent bankruptcies, or foreclosures can still qualify if they have sufficient equity in the property and a viable plan for loan repayment. However, stronger credit profiles may receive better rates and terms. We work with borrowers across the credit spectrum and evaluate each situation individually.
Can I use a residential hard money loan to buy my primary residence?
No, hard money loans are specifically designed for investment properties and cannot be used to purchase or refinance owner-occupied primary residences. These loans are intended for real estate investors and business purposes only. If you're seeking financing for a primary residence, we recommend consulting with conventional mortgage lenders who offer products designed for owner-occupied properties with consumer protections required by federal regulations.
Explore Other Loan Programs
Commercial Property Loans
Fast funding solutions for office buildings, retail spaces, and commercial real estate investments.
Land Acquisition Loans
Financing for raw land, development sites, and land acquisition projects throughout Los Angeles County.
Bridge Financing Loans
Short-term bridge loans to secure properties while awaiting permanent financing or sale of existing assets.
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Contact us today to discuss your residential property loans needs.
Call (213) 667-4815