Hard money loan terms in Los Angeles
Straightforward terms, decisions based on your property, and funding in as little as 7 business days. Here is an example of what a City Capital Realty hard money loan can look like.
- Interest rate
- 9%
- Payments
- Interest-only
- Loan-to-value
- Up to 70%
- Origination fee
- 2%
- Term
- Up to 12 months
- Prepayment penalty
- 4 guaranteed payments
- Loan amount
- $500K to $5M
- Funding time
- As fast as 7 business days
Residential
Single-family homes, condos and townhouses, duplex, triplex and fourplex
Commercial
Hotel and motel, gas station, car wash, self-storage
Our loan programs
- Bridge loansBuy before you sell, auctions, fast closings
- Construction loansGround-up builds, rebuilds and major remodels
- Commercial loansHotels, gas stations, retail, self-storage
- Stated income loansFor self-employed borrowers
- Cannabis property loansFinancing for cannabis-related real estate
- Reverse mortgagesFor homeowners 62 and older
LA Deal Check: see your loan in 30 seconds
Tell us where the property is, what you want to do and the rough numbers. You'll see how much you could borrow, what it would cost each month, how fast the money can arrive, and the Los Angeles rules that could change your numbers. It all runs on this page; nothing is sent unless you choose to send it.
Estimate only, based on our published terms: 9% interest-only, up to 70% of value, 2% origination fee, 4 guaranteed monthly payments. Final terms depend on the property and our review. Rates and fees are subject to change without notice. Some restrictions may apply. Subject to credit approval.
How fast the money arrives
What's different about Los Angeles
How we calculate these numbers
- Loan amount: up to 70% of the purchase price or value. For cash from equity, 70% of the value minus what you still owe. Loans run from $500,000 to $5 million.
- Cost: 9% a year, interest-only, paid monthly, plus a 2% origination fee. Every loan has 4 guaranteed monthly payments; after that, paying off early lowers your total.
- Flip profit: resale price minus purchase, renovation, interest, the fee, about 5% for selling costs, and Measure ULA where it applies. Closing costs and taxes aren't included.
- Speed: many of our loans fund in as little as 7 business days. Industry reports put a typical bank mortgage at roughly 40 to 50 days from application to closing; commercial bank loans often take longer.
- Market data: Redfin, three months ending September 2026. Measure ULA: 4% on City of LA sales of $5.4 million or more, 5.5% at $10.9 million or more (July 2026 thresholds). Santa Monica's Measure GS: 5.6% on sales of $8 million or more.
Hard Money Loans in Los Angeles are offered by City Capital Realty.
City Capital Realty has become a cornerstone in real estate transactions.
These loans are secured by real estate, and approval is based mainly on the property’s value and your equity, not just your credit score.
We provide a reliable solution for individuals seeking quick financing options. We are a trusted hard-money financing company in Los Angeles. We understand the unique needs of each borrower. At City Capital Realty, we understand the importance of providing our clients with competitive rates. If you need money for real estate investments or a time-sensitive project, City Capital Realty is here to help. We make the process of getting the funds you need easy and trustworthy. Count on us for efficient hard money loans in Los Angeles.
Contact us today to explore your options!
City Capital Realty stands out in this thriving market by offering hard money loans with competitive and flexible terms. These loans are not just limited to residential properties but also encompass a wide range of commercial ventures, including apartments, warehouses, industrial buildings, offices, medical facilities, and self-storage units. The scope of lending is broad, ranging from $500,000 to $5 million, catering to a diverse clientele, including individuals, LLCs, corporations, and trusts. One of the hallmarks of City Capital Realty’s service is its flexibility in loan terms. They understand that each investment is unique and requires a personalized approach. The company offers loans up to 70% of the purchase price, accommodating a wide range of investment strategies and property types. This flexibility is crucial in a market like Los Angeles, where real estate ventures vary significantly in scale and complexity.
Interest Rates and Loan Approval: A Closer Look
The interest rates for these loans are a topic of considerable interest. In Los Angeles, the average interest rate for a hard money loan stands at precisely 10%. While these rates tend to be slightly higher than conventional loans, they reflect the increased risk involved and the speed of funding. City Capital Realty is known for its expedient processing, with loan applications often approved in less than 9 business days, a significant advantage for those requiring quick access to funds.
Non-Owner Occupied Hard Money Loans: A Niche Market
City Capital Realty specializes in non-owner-occupied hard money loans, a niche market that is critical for real estate investors. This focus allows the company to tailor its services to meet the specific needs of investors, ensuring that each loan is structured to maximize the investment property’s potential.
Let’s work together
We’ll guide you through our simple loan process
Reputation and Trust: The Foundation of Success
City Capital Realty has earned an excellent reputation in the competitive landscape of Los Angeles’s hard money lending. Their expertise, reliability, and customer-centric approach have positioned them as a trusted partner for countless real estate investors and property owners. The company’s commitment to meeting each client’s unique needs, backed by a team of experts and a track record of successful transactions, sets it apart in the industry.
The Role of City Capital Realty
City Capital Realty plays a pivotal role in facilitating connections between borrowers and lenders that are well-suited to their needs, guiding them through the hard money lending process, and facilitating a successful transaction. Unlike traditional loan providers, hard money lenders primarily focus on the value of the purchased property, with factors such as credit score, collateral, and income verification.
Our team can help real estate investors with less-than-perfect credit. They can provide access to alternative financing options, such as hard money loans, that may not be available through traditional mortgage lenders.
Why Choose Us?
We pride ourselves on providing exceptional services that sets us apart.
Firstly, we offer various loan options tailored to your requirements, ensuring flexibility and suitability.
Our experienced team of professionals understands the complexities of hard money lending and works diligently to secure competitive rates and favorable terms for our clients.
We prioritize quick turnaround times, allowing you to seize opportunities swiftly in the real estate market. Moreover, our commitment to transparency and clear communication is important to keep you updated throughout the loan process and to give you peace of mind and confidence in our services.
Choose City Capital Realty for unmatched expertise, personalized solutions, and a seamless lending experience.
Negotiating Terms and Rates
Our mortgage brokers team will negotiate terms and rates on behalf of borrowers, potentially securing better deals and more favorable conditions. To ensure that you’re getting the best terms and rates, it’s essential to research the lender’s background, experience, and reputation.
When discussing terms and rates with hard money lenders, it’s crucial to demonstrate the value of your project by presenting a comprehensive business plan, financial estimates, and market research.
Working with our company can offer several advantages, such as access to a wide network of lenders, expert guidance, and time savings. We can provide borrowers with access to a broad range of lenders, each with different terms and conditions, ensuring they find the best fit for their needs.
Moreover, we will provide expert guidance and support throughout the hard money loan process, assisting borrowers in making informed decisions and navigating the complexities of the lending process. This can particularly benefit borrowers with limited cash reserves or low credit scores.
Access to Multiple Lenders
Mortgage brokers have connections with multiple hard money lenders, increasing the chances of finding the right loan for a borrower’s needs. This access to a wide network of lenders enables borrowers to evaluate various loan options, potentially securing more competitive rates and terms.
It’s important to note that hard money loans typically involve higher interest rates than conventional loans, generally ranging from 9% to 10%. However, the benefits of working with a mortgage broker, such as access to multiple lenders and expert guidance, can often outweigh the higher hard money loan rates associated with hard money loans. Many consider these advantages as hard money loan pros.
Founder, City Capital Realty
Work directly with Shawn Rabban
Shawn and his team have helped Los Angeles investors and property owners finance homes, apartments, hotels and gas stations since 2000. When you call, you talk to people who know your deal.
- Lending since
- 2000
- Funding in as little as
- 7 business days
- Loan amounts up to
- $5M
- Loan-to-value up to
- 70%
We can provide you with the fastest service:
What are Hard Money Los Angeles Loans?
City Capital Realty offers:
Reasons Borrowers Using Hard Money Loans:
Rate and terms are subject to change without notice. Some restrictions may apply.
Los Angeles real estate and lending insights
Current rates, market data and what this year's biggest stories mean for borrowers, updated for October 2026.
Hard Money Loans in Los Angeles: The 2026 Guide
Rates, a flip-profit calculator, and what the fire-insurance hike, mansion tax and foreclosures mean for your deal.
The Fed Raised Rates Again: What It Means for LA
Mortgage rates hit 7.40%. Charts and data on what the hike means for buyers, owners and borrowers.
Hard money loan questions
What is a hard money loan?
A hard money loan is a short-term loan secured by real estate and made by a private lender instead of a bank. Approval is based mainly on the property's value and your equity, so it can close much faster than a bank loan. It is usually repaid within months by selling or refinancing the property.
What are your hard money loan rates and terms?
Our published bridge terms are 9% interest-only, up to 70% of the property's value, a 2% origination fee and terms up to 12 months, with 4 guaranteed monthly payments. Final terms depend on the property and our review. Rates and fees are subject to change without notice. Some restrictions may apply. Subject to credit approval.
How fast can you fund a hard money loan in Los Angeles?
Because we lend based on the property, loans can fund in as little as 7 business days. The timeline depends mostly on the property review, title and escrow.
Do I need good credit or proof of income?
Not the way a bank requires. We focus on the property, your equity and your plan to repay the loan. We still review every borrower, but a lower credit score or hard-to-document income does not automatically disqualify you.
What types of property do you lend on?
Residential property including single-family homes, condos, townhouses and 2–4 unit buildings, and commercial property such as hotels and motels, gas stations, car washes and self-storage.
How much down payment do I need to buy with a hard money loan?
Plan on a down payment of about 35% or more when buying. If you already own real estate, you can borrow against your equity instead.
Is there a prepayment penalty?
Yes: every loan has 4 guaranteed monthly payments. If you repay before making 4 payments, the rest of those 4 payments are still due. After that, you only pay for the months you keep the loan.
Are you a licensed lender?
Yes. City Capital Realty is licensed in California (DRE 00667328, NMLS 298861) and has served borrowers across California since 2000.