Hard Money Lender | San Mateo, 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 MATEO, CA Hard Money Lenders
San Mateo, located in the heart of the San Francisco Peninsula, offers one of the most dynamic and resilient real estate markets in California.
With its prime location between Silicon Valley and San Francisco, strong job growth, and consistently high housing demand, San Mateo attracts both seasoned investors and homeowners seeking long-term value.
When traditional lenders delay or deny financing due to strict credit or documentation requirements, a local hard money lender like SDC Capital provides the flexibility, speed, and certainty needed to compete in this fast-paced market.
We fund loans based on real estate equity, not tax returns or W-2s, so you can move quickly in San Mateo’s high-demand environment.
What’s The Difference Between Private Money Lenders And Traditional Banks In SAN MATEO?
Traditional banks often require:
W-2s, tax returns, and full financial documentation
High credit scores and low debt-to-income ratios
Long underwriting and appraisal timelines
Rigid lending criteria that don’t fit investors or unique scenarios
In San Mateo’s competitive market—where properties often sell in days—waiting 30 to 60 days for bank approval can cause you to miss out on the right opportunity.
A hard money lender like SDC Capital focuses on:
Property equity and market value, not your income or credit
Flexible ownership structures (LLCs, trusts, partnerships)
Closings in as little as 7 days
No appraisal required in most cases
Creative financing for nontraditional or time-sensitive deals
When banks move too slowly, private money gives you the confidence and speed to secure your investment.
Are Hard Money Loans Good For Residential Properties In SAN MATEO?
Yes. San Mateo’s residential real estate market remains one of the strongest in Northern California, driven by tech-sector employment, limited housing supply, and sustained buyer demand. Investors continue to find opportunities in single-family homes, multi-unit properties, and fix & flip projects across the Peninsula.
We fund:
Purchases of single-family, multifamily, and rental properties
Bridge loans for 1031 exchanges or buy-before-sell transactions
Trust, estate, or LLC-held assets
Fix & flip or value-add projects
Market stats:
The median home price in San Mateo County is approximately $1.5 million.
In this high-value, fast-moving market, hard money financing allows investors and borrowers to compete—and close—with confidence
Are Hard Money Loans Good For Commercial Properties In SAN MATEO?
Absolutely. San Mateo’s commercial market continues to evolve with growth in life sciences, technology, and professional services sectors. Industrial and office properties along the Highway 101 corridor and near SFO remain in strong demand.
We fund:
Office, retail, and mixed-use properties
Industrial, warehouse, and R&D spaces
Transitional or vacant commercial real estate
Owner-user and investor-held properties
When conventional banks hesitate because of property condition, tenant mix, or ownership structure, SDC Capital offers flexible, asset-based financing that lets you close quickly and confidently.
are Hard Money Loans Good For Fix & Flip Property in SAN MATEO?
Yes. While San Mateo’s price points are higher than many California markets, the strong buyer demand and limited supply create ideal conditions for profitable fix & flip projects. Investors often find value in older homes in areas like Redwood City, Burlingame, and South San Francisco.
Our fix & flip loans include:
Up to 70% of purchase price (or ARV-based options)
Fast approvals and closings in days
Streamlined draw process for rehab funds
No appraisal required in most cases
Whether you’re renovating a mid-century home in San Mateo or upgrading a duplex in Daly City, SDC Capital helps you move fast and maximize your returns.
Cash-Out Refinance Loans With a SAN MATEO Hard Money Lender: how it works
If you own property in San Mateo with significant equity, a hard money cash-out refinance allows you to access that equity—without the delays and restrictions of a conventional refinance.
Use your cash-out proceeds for:
Renovations or ADU construction
Paying off maturing loans or high-interest debt
Estate or partnership buyouts
Investing in new real estate opportunities
We lend to individuals, LLCs, and trusts—customizing each loan to fit your project goals and timeline.
The Bottom Line
At SDC Capital, we’re more than lenders—we’re partners in helping Bay Area investors and property owners succeed. Our deep understanding of the Peninsula market and common-sense underwriting approach help San Mateo borrowers close deals that traditional lenders can’t.
Borrowers choose SDC Capital for:
Closings in as few as 7–10 days
Direct access to decision-makers
Transparent terms and competitive rates
Flexible loan structures for complex scenarios
From San Mateo to Redwood City, Daly City, Burlingame, and South San Francisco, SDC Capital delivers trusted hard money lending solutions that help borrowers move quickly and strategically.
What is a Hard Money Loan In SAN MATEO?
A hard money loan is a short-term, asset-based loan secured by real estate equity—not income or credit score.
These loans are ideal for:
Real estate investors and fix & flippers
Business owners seeking quick capital
Homeowners needing bridge financing
Borrowers with time-sensitive or nontraditional needs
When traditional lenders can’t move fast enough, SDC Capital, your trusted San Mateo hard money lender, helps you close confidently, competitively, and on time.
Hard Money Lenders in SAN MATEO
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: