Hard Money Lender | San Juan Capistrano, 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.
San JUAN CAPISTRANO, CA Hard Money Lenders
San Juan Capistrano is one of Orange County’s most historic and desirable communities, known for its Spanish mission, equestrian estates, and semi-rural charm. With a mix of luxury homes, ranch properties, and investment opportunities, financing needs here are often unique—and traditional banks aren’t always the right fit.
That’s where a local hard money lender like SDC Capital can help.
Whether you’re purchasing, refinancing, or repositioning property, we provide fast, flexible private loans backed by real estate equity—not red tape.
What’s The Difference Between Private Money Lenders And Traditional Banks In San Juan Capistrano?
Traditional lenders often require extensive documentation, income verification, and lengthy approval processes. None of these will work when you need to close quickly in a competitive market.
A hard money lender focuses on:
The value of the property (not your tax returns)
Flexible structures for trusts, LLCs, or inherited assets
Speed—funding in as few as 7 days
No appraisals in most cases
Loans that banks won’t or can’t fund
If your deal is unique, time-sensitive, or non-conforming, a hard money loan is likely your best option.
Are Hard Money Loans Good For Residential Properties In san Juan Capistrano?
San Juan Capistrano offers a wide variety of residential properties, from luxury gated communities like Marbella and Hunt Club to historic homes and equestrian estates. Properties here often require specialized financing, especially when they’re part of trusts, estates, or renovation projects.
We fund:
Purchases of single-family, condo, and estate properties
Bridge loans while awaiting sale or inheritance distribution
Estate and trust-owned property loans
Fix & flip or value-add investments
Local home values continue to rise, with median prices surpassing $1.2M as of August 2025, making fast, reliable funding even more critical.
Are Hard Money Loans Good For Commercial Properties In San Juan Capistrano?
San Juan Capistrano has a mix of historic downtown retail, office buildings, and newer commercial developments along the I-5 corridor.
While banks may hesitate with transitional or owner-user projects, we fund:
Retail, office, and mixed-use properties
Owner-user or investor-held assets
Hospitality properties, including boutique hotels
Transitional or vacant properties
We’re the hard money lender that can close when banks stall.
are Hard Money Loans Good For Fix & Flip Property in San Juan Capistrano?
Whether you’re restoring a historic adobe-style property or modernizing a condo for resale, SDC Capital offers fix & flip loans designed for speed and simplicity:
Up to 70% of the purchase price
No appraisal required (in most cases)
Fast draw process for renovations
Same-day approvals
We understand investor timelines, and we move quickly to fund.
Cash-Out Refinance Loans With a San Juan Capistrano Hard Money Lender: how it works
Access your equity without the delays of a traditional lender. Our hard money cash-out refinance loans are ideal for:
Renovating or expanding properties
Settling estates or buyouts
Paying off maturing loans
Raising capital for other investments
We work with individuals, trusts, and LLCs—even when income or credit doesn’t meet bank guidelines.
The Bottom Line
We’re a California-based hard money lender with deep knowledge of the Orange County real estate market. Borrowers trust us because we deliver:
Speed and certainty—no corporate delays
Common-sense underwriting
Direct access to decision-makers
Competitive pricing without hidden fees
Flexible structures for non-traditional borrowers
From San Juan Capistrano to nearby cities like Dana Point, Laguna Niguel, and Mission Viejo, we fund real estate when others won’t.
What is a Hard Money Loan In San Clemente?
A hard money loan is a short-term real estate loan based on the equity in the property, not your income, job history, or credit score. These loans are ideal for:
Investors and flippers
Business owners
Retirees or trust managers
Borrowers needing fast or alternative financing
When banks say no, a hard money lender like SDC Capital says yes—fast.
Hard Money Lenders in San Clemente
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: