Hard money lender in San Diego, CA
GPS Capital is a direct hard money and private lender for San Diego-area investment real estate. We review purchase, refinance, fix-and-flip and rehab scenarios on the property and the exit. For commercial property that qualifies on cash flow, ask about the separate DSCR program.
San Diego hard money and bridge loan terms
Rates 9.99% to 12.99%, 1 to 2 points, loans from $500K to $20M, up to 70% of after-repair value, typically 12-month terms. No minimum credit score. Closes as fast as one week - well-documented deals have funded in 3 to 5 business days.
The San Diego market
San Diego price points and competitive offers reward buyers who can perform like cash. We underwrite in-house at up to 70% of value, skip the formal appraisal in many cases, and fund in as fast as one week on a well-documented file.
FAQ
San Diego FAQ
Who is a direct hard money lender in San Diego?
GPS Capital is a direct private lender, financing investment property nationwide since 2003, including the San Diego metro (San Diego-Chula Vista-Carlsbad, CA). Every loan is underwritten, funded and serviced in-house - no broker, no outside committee.
What are hard money loan rates in San Diego?
GPS Capital's rates run 9.99% to 12.99% with 1 to 2 points, on loans from $500K to $20M, up to 70% of after-repair value, typically on 12-month terms. Every deal is priced on its own merits.
How fast can a hard money loan close in San Diego?
As fast as one week. Well-documented deals have funded in 3 to 5 business days, and many close without a formal appraisal. Tell us your deadline up front and we will tell you honestly if we can hit it.
Which San Diego scenarios fit hard money versus commercial DSCR?
Hard money fits short-term needs: acquisition, rehab, value-add, or a deadline. DSCR fits stabilized, cash-flowing commercial property you plan to hold. Many deals use hard money first and DSCR as the takeout.
Do you work with San Diego-area brokers?
Yes. Brokers are welcome and GPS Capital pays broker fees. Send the property address, loan amount and the borrower's goal for a same-day review.
Have a deal? Get a response within 2 hours.
No obligation. If we can’t fund it, we’ll tell you straight.
Or call us now: 718-247-8863 Deals@gpscapllc.com