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 from a licensed broker
City Capital Realty arranges short-term loans secured by real estate. Approval rests mainly on the property's value, its location and your equity, so a strong deal can close when a bank can't move fast enough.
We fund $500,000 to $5,000,000 on non-owner-occupied property: homes and 2–4 units, apartments, offices, medical, retail, industrial, warehouse and self-storage. We lend to individuals, LLCs, corporations and trusts.
Popular programs: construction loans in Los Angeles, bridge loans and stated income loans. We lend across LA County, from Glendale and Pasadena to Santa Monica.
Let’s work together
We’ll guide you through our simple loan process
Why investors work with City Capital Realty
A licensed California broker with one goal: the right private loan for your property, on terms you can see in writing.
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Licensed since 2000
DRE 00667328, NMLS 298861 / 729817. You can look us up on the DRE site (opens in a new tab) and NMLS Consumer Access (opens in a new tab).
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One call, many lenders
As a broker, we compare private lenders for your deal and negotiate the rate and terms for you, so you don't shop lender by lender.
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You talk to Shawn
No call center. Shawn Rabban and his team stay with your loan from the first call to funding. Meet Shawn.
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%
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.
LA's Mansion Tax in 2026: Measure ULA and Prop TE
One dollar over $5.4 million can add $216,000 in tax. Real city data on 1,709 sales, a ULA calculator, and what the November 3 vote means for sellers.
Read the article
California's New Foreclosure Auction Law: What LA Owners Should Know
AB 1957 changes who can buy after a foreclosure auction on January 1, 2027. Real LA cases, charts and a calculator to see if a bridge loan could stop a sale.
Hard Money Loan Rates in California (2026)
About 9% to 10% today, versus 7.40% for a bank mortgage. How the Fed moves your rate, with charts.
See all articlesForeclosure bailout loans
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's value and location, your ability to repay and your experience, loans can fund in as little as 7 business days. The timeline depends mostly on how quickly we receive the signed 1003 loan application, credit check authorization, proof of funds, insurance coverage, the signed purchase contract, signed escrow instructions, the preliminary title report, the 9A report, the inspection report and the statement of information. We also visit the property and check comparable sold properties in the same area through MLS, LoopNet, CoStar, Redfin and Realtor.com.
Do I need good credit or proof of income?
Not the way a bank requires. We focus on the property's value, location and age, your equity and your ability to repay the loan. We still review every borrower's net worth, and we look for a credit score of 720 or better.
What types of property do you lend on?
Non-owner-occupied property only. Residential: single-family homes, condos, townhouses and 2–4 unit buildings. Commercial: self-storage, office, medical, retail, industrial, warehouse and apartment buildings.
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 broker?
Yes. City Capital Realty is licensed in California (DRE 00667328, NMLS 298861 / 729817) and has served borrowers across California since 2000.