HARD MONEY LENDER | costa mesa, CA
Rates from 8.99% and 1 point
Same-day Approvals, Funding in Days
No Appraisals (most scenarios)
No tax returns or pay stubs required
No minimum DSCR
No prepayment penalty (available)
No advanced lender fees
Up to 70% Loan-to-Value
Closings in as few as 7 days
Call us now at 818-638-9982 to speak directly with a decision maker. Or, please complete the form if you would like us to contact you.
costa mesa, CA Hard Money Lender
Costa Mesa is one of Orange County’s most dynamic cities, with a thriving mix of residential neighborhoods, high-end retail, creative office spaces, and entertainment hubs. Its central location and steady growth make it a hot spot for real estate investment.
Whether you're flipping a home in Mesa Verde, buying a rental near South Coast Plaza, or acquiring commercial property off Harbor Blvd, SDC Capital offers fast, flexible hard money loans to help you move with confidence.
What’s the Difference Between Private Money Lenders and Traditional Banks in costa mesa?
In a city as competitive and fast-moving as Costa Mesa, timing is critical. Traditional banks can take 45–60 days, require full documentation, and may decline deals that don’t fit their rigid guidelines.
With a hard money loan, approval is based on the equity in the property, not your credit score or income. We can close in as little as 7 days—so you can seize the opportunity without delay.
Are Hard Money Loans Good for Residential Properties in costa mesa?
Absolutely. Costa Mesa’s residential market is in demand—whether it's a flip in Eastside, a duplex near The LAB, or a new build in Westside. Homes move quickly, and investors need financing that keeps up.
With SDC Capital, you can make cash-like offers and beat out slower buyers using bank financing. We specialize in funding deals that require speed, creativity, and flexibility.
Are Hard Money Loans Good for Commercial Property in costa mesa?
Yes—Costa Mesa has a diverse commercial property landscape, from retail centers and office spaces near the 405 to mixed-use properties along 17th Street.
SDC Capital can fund your commercial acquisition or refinance in 7–10 days—even if the deal doesn’t meet conventional criteria. Our lending decisions are based on equity, not your personal financials.
Hard Money Loans for Fix & Flip Properties in COSTA MESA
Fix & flip investors love Costa Mesa for its value-add opportunities and strong buyer demand. But every day counts—waiting for a bank loan could derail your entire timeline.
SDC Capital provides fix & flip loans with quick closings and rehab draw schedules. Whether it’s a cosmetic upgrade or a full gut renovation, we fund your project so you can list and sell fast.
Cash-Out Refinance Loans in costa mesa: How It Works
Have equity sitting in a Costa Mesa property? A cash-out refinance lets you unlock that capital and reinvest. Whether it’s a rental, flip, or commercial property, we can lend up to 80% of the as-is value—even if your credit isn’t perfect or your income is hard to document.
It’s a powerful strategy to scale your real estate portfolio in one of Southern California’s strongest markets.
What is a Hard Money Loan in costa mesa?
A hard money loan is a short-term, asset-backed loan used by real estate investors. It’s secured by the property—not your W-2, tax returns, or credit score.
In a fast-paced market like Costa Mesa, this gives you the speed, certainty, and leverage needed to compete and grow.
Benefits of a Hard Money Loan
Smart real estate investors use hard money loans to stay agile and competitive. Here’s why:
Flexible Underwriting: Based on property equity and deal strength.
Fast Closings: 7–10 days, not 60+!
Low Documentation: No tax returns or pay stubs required.
No Credit Minimums: Focus is on the asset, not your FICO.
Who in costa mesa Typically Uses a Hard Money Loan?
✔ Flippers and rehabbers needing fast capital
✔ Investors with low credit or complex finances
✔ Buyers of underperforming or vacant income properties
✔ Investors using cross-collateralized property
✔ Landlords and developers needing bridge financing
The Bottom Line
At SDC Capital, we help investors in Costa Mesa access fast, flexible hard money loans—without the delays of traditional financing. Whether you’re flipping homes, refinancing a commercial building, or scaling your rental portfolio, we deliver simple terms, quick closings, and LOIs within 24 hours.
📞 Call (818) 638-9982 or request a quote online to get started.
Recent Hard Money Loans in costa mesa
California Hard Money Lenders
Securing hard money financing in California doesn’t have to be difficult. SDC Capital offers fast, flexible bridge loan solutions across the state, giving real estate investors the capital they need when traditional lenders can’t provide the support.
With our local expertise, we can help you close your next deal quickly and efficiently. Discover our hard money lending options in key California locations: