Hard Money Lender | Downey, 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.
DOWNEY, CA Hard Money Lenders
Downey, located in Southeast Los Angeles County, is a strong and steadily growing market known for its desirable neighborhoods, central location, and healthy mix of residential and commercial properties.
With its competitive housing market, rising demand from buyers, and ongoing redevelopment activity, Downey continues to attract both investors and homeowners seeking opportunity.
When traditional banks slow down the process with strict credit requirements, long underwriting timelines, or heavy documentation, a hard money lender like SDC Capital provides the speed, flexibility, and reliability needed to close quickly in Downey’s fast-paced market.
We lend based on real estate equity—not income documentation or perfect credit—so you can move fast on real estate opportunities throughout Downey.
What’s The Difference Between Private Money Lenders And Traditional Banks In DOWNEY?
Traditional banks often require:
W-2s, tax returns, and full documentation
High credit scores and low debt-to-income ratios
Lengthy underwriting and appraisal processes
Rigid lending criteria that exclude nontraditional borrowers
In Downey—where desirable homes and investment properties can receive multiple offers—waiting 30–60 days for bank approval can put you at a disadvantage.
A private lender like SDC Capital focuses on:
Equity and market value, not credit scores
Closings in as little as 7 days
No appraisal needed in most cases
Creative structuring options (LLCs, trusts, partnerships)
Flexible financing for unique or time-sensitive scenarios
When banks delay decisions, private money gives you the speed and certainty to secure your deal.
Are Hard Money Loans Good For Residential Properties In DOWNEY?
Yes. Downey’s residential market features single-family homes, multifamily units, and rental properties that attract long-term tenants, families, and LA-based professionals. The city’s central location, strong schools, and stable demand make it appealing for both investors and owner-occupants.
We fund:
Purchases of single-family, multifamily, and rental properties
Bridge loans for buy-before-sell situations and 1031 exchanges
Real estate held in trusts, estates, or LLCs
Fix & flip and value-add projects
Did you know?
Median home prices in Downey average around $850,000, making it one of Southeast LA County’s more competitive and desirable cities for both buyers and investors.
With limited inventory and consistent demand, hard money financing helps you move quickly and stay competitive.
Are Hard Money Loans Good For Commercial Properties In DOWNEY?
Absolutely. Downey has a strong commercial market supported by retail centers, medical offices, restaurants, service businesses, and mixed-use buildings. Its strategic location near major freeways (I-5, I-105, and I-605) makes it attractive for both local and regional businesses.
We fund:
Retail centers and mixed-use buildings
Office, medical, industrial, and warehouse properties
Transitional or partially vacant buildings
Investor-held and owner-user commercial assets
Traditional lenders often hesitate when a property needs improvements, has unique tenant situations, or doesn’t meet rigid guidelines. SDC Capital provides asset-based solutions that allow you to close confidently and efficiently.
are Hard Money Loans Good For Fix & Flip Property in DOWNEY?
Yes. Many older homes in Downey present strong fix & flip or value-add potential. Renovated homes sell quickly due to the city’s family-friendly environment and high buyer demand.
Our fix & flip loans include:
Up to 70% of the purchase price (or ARV-based options)
Fast approvals and closings
A streamlined draw process for renovation funds
No appraisal required in most cases
Whether you’re updating a classic Downey ranch-style home or renovating a multifamily rental, SDC Capital helps you complete projects quickly and profitably.
Cash-Out Refinance Loans With a DOWNEY Hard Money Lender: how it works
If you own property in Downey with significant equity, a hard money cash-out refinance allows you to unlock capital quickly—without the delays or strict requirements of a conventional refinance.
Use your funds for:
Renovations or ADU construction
Paying off maturing loans or high-interest debt
Purchasing additional real estate
Business investment or partnership buyouts
Estate planning or trust-related needs
We lend to individuals, LLCs, corporations, and trusts with flexible structures tailored to your goals.
The Bottom Line
At SDC Capital, we’re more than just lenders—we’re partners committed to helping Los Angeles County investors succeed. Our experience with Downey’s residential and commercial market allows us to provide fast, competitive, and reliable financing solutions.
Borrowers choose SDC Capital for:
Closings in 7–10 days
Direct access to decision-makers
Competitive rates and transparent terms
Flexibility for unique or complex scenarios
Reliable California-based lending expertise
From Downey to Norwalk, Paramount, Bellflower, Pico Rivera, and South Gate, SDC Capital provides the dependable hard money lending solutions investors trust when banks fall short.
What is a Hard Money Loan In DOWNEY?
A hard money loan is a short-term, asset-based loan secured by real estate equity—not personal income or credit.
These loans are ideal for:
Investors and fix & flippers
Homeowners needing bridge financing
Business owners seeking fast capital
Borrowers with urgent or nontraditional situations
When timing matters, SDC Capital, your Downey hard money lender, helps you close quickly, confidently, and competitively.
Hard Money Lenders in DOWNEY
Looking for quick and flexible financing in California? Our hard money loan options are tailored for real estate investors who need fast access to capital. We provide reliable funding solutions across the state, ensuring you can close your deals without delays.
Explore our lending options in prominent California locations: