San Diego, CA's Trusted Hard Money Lender for Real Estate Investors

San Diego's coastal real estate market attracts investors from around the world, and competition for quality properties is fierce. When you find a property that pencils out, you need financing that closes before someone else beats you to it. Unitas Funding delivers hard money loans in San Diego in 10 business days, giving you the competitive edge that traditional bank financing simply can't provide. We move at the speed of opportunity, not the speed of bureaucracy.

We fund private loans for San Diego real estate investors. From Pacific Beach flips to Chula Vista new construction, from La Jolla bridge loans to North Park rental acquisitions, we evaluate deals based on property fundamentals and market potential. Our $4.5 billion in funded loans backs up our ability to close when we say we will. Unlike banks that promise one thing and deliver another, our approvals mean something because we own the capital we lend.

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Fast, Reliable Capital for Your Next Real Estate Deal

San Diego's diverse neighborhoods demand flexible financing solutions. We offer rates starting at 8.99% with loan-to-cost leverage reaching 92.5% for strong deals. Our San Diego hard money lenders deliver pre-approvals in 24 hours because we understand that in markets from Carlsbad to Imperial Beach, waiting weeks for financing approval kills deals. We structure loans around your investment strategy, not cookie-cutter templates that ignore what actually works in Southern California.

Fix & Flip Loans

Fix & Flip Loans

San Diego's beach communities and inland neighborhoods both offer profitable fix-and-flip opportunities for investors who know how to add value. We finance purchase and renovation together based on after repair value, letting you leverage properties at their future worth rather than their current distressed state. Our 12-, 18-, and 24-month terms come with interest-only payment options that protect your cash flow during renovation. When you request draws, we process them in 24 to 48 hours after inspection. This keeps your project moving and your contractors paid without financing delays that drain profit.

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New Construction Loans

New Construction Loans

Building in San Diego means navigating coastal commission requirements, strict building codes, and labor markets that command premium wages. We fund single-family spec homes and multifamily residential developments with draw schedules that match actual construction progress. Our underwriting evaluates market demand, construction feasibility, and your track record, not just standardized ratios that ignore local realities. Whether you're building in Scripps Ranch or developing in Otay Ranch, we bring construction lending expertise that understands what it takes to build in high-end coastal markets.

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Bridge Loans

Bridge Loans

San Diego's market creates situations where timing matters more than anything else. Maybe you're waiting on another property to sell, or you need to close quickly on an opportunity before your permanent financing finalizes. Our bridge loans run 6 to 12 months, providing the gap financing to capture deals that won't wait for traditional timelines. Investors use our bridge products to secure auction properties, lock down off-market opportunities, and transition between investment phases without losing momentum to competitors who already have their financing lined up.

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DSCR Loans

DSCR Loans for Rental Properties

San Diego's year-round tourism, military presence, and strong job market create consistent rental demand across multiple property types. Our debt service coverage ratio (DSCR) loans qualify properties based on rental income potential, not your personal tax documentation. Whether you're financing short-term vacation rentals in Mission Beach, mid-term corporate housing in Sorrento Valley, or traditional long-term rentals in Mira Mesa, we focus on one question: does the rent cover the mortgage? If the property's income works, we fund it.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    We operate with $4.5 billion in institutional capital, ensuring we have the financial strength to fund San Diego's high-value deals without question. We're not a bank drowning in committees and policies. We're a direct lender focused exclusively on real estate investment. You work directly with underwriters who make decisions, not loan processors who collect documents and wait for someone else to decide. This structure delivers institutional reliability with entrepreneurial speed.

  2. More Ways to Say ‘Yes’ to Your Deal.
    Traditional lenders reject deals that don't fit their narrow criteria, regardless of whether the investment makes sense. We evaluate each opportunity individually. Strong property fundamentals? Realistic exit strategy? Solid market conditions? We find ways to structure financing that works instead of automatically declining anything that doesn't match a template. We customize terms, adjust structures, and solve problems rather than simply saying no to anything unconventional.

  3. Certainty from a Direct Lender.
    Our San Diego hard money lenders fund loans with our own capital. No selling to secondary markets, no warehouse lenders who might change terms, no committees that override approvals at the last minute. When we approve your loan, that decision is final and binding. In San Diego's competitive market where you're often competing against well-funded buyers, this certainty gives you credibility with sellers and listing agents.

  4. Faster Funding, Faster Draws.
    Closing in 10 days gets you into the property, but maintaining momentum after closing determines your profit. We process draw requests in 24 to 48 hours after inspection completion, keeping renovation and construction projects moving at the speed of actual work. Most projects need roughly 10 draws from start to finish, and we treat the tenth draw with the same urgency as the first. Your timeline drives our process, not our convenience.

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Get Pre-Approved in 24 Hours!
Properties move quickly, and your financing needs to match that pace. Complete the form below and receive a genuine pre-approval in 24 hours. This is not a meaningless pre-qualification, but real underwriting that gives you confidence when submitting offers. We focus on property value and investment strategy, not weeks of personal financial documentation that delays decisions while deals disappear to faster buyers.

Frequently Asked Questions

What types of investment properties do you finance?

Our San Diego hard money lenders finance business-purpose real estate investments. We fund many properties including single-family homes, multifamily properties, townhomes, condos, mixed-use residential buildings. Our programs include fix-and-flip financing, ground-up construction loans, bridge financing, and DSCR rental property loans. All loans go through business entities like LLCs or corporations. We don't finance consumer mortgages or owner-occupied properties under any circumstances.

How quickly can you close on a San Diego investment property?

We close in 10 business days when you provide complete documentation. Pre-approvals arrive in 24 hours. Final approvals typically take 3 to 5 business days depending on title clearance and appraisal completion. Traditional banks require 30 to 45 days minimum, which explains why serious San Diego real estate investors choose private loans from Unitas when they need to compete effectively and close deals before someone else does.

What are your loan-to-cost ratios for San Diego fix-and-flip projects?

We offer loan-to-cost ratios up to 92.5% on qualified fix-and-flip projects, covering both purchase price and renovation budget. Actual LTC depends on property type, location, your experience, and project scope. We underwrite based on after repair value and your exit strategy, whether you're selling or refinancing into permanent financing. Rates start at 8.99% with terms customized to your specific timeline and investment approach.

Do you require personal income verification for DSCR loans?

No. We qualify rental properties based on their income potential, not your personal W-2s, tax returns, or employment records. The underwriting question is straightforward: does the property generate enough rent to cover the debt service? San Diego's strong rental market across multiple property types often makes this equation work well. You'll provide business entity documentation and demonstrate liquidity for down payment and reserves, but personal income verification isn't required.

What areas of San Diego do you serve?

We provide private real estate investor loans throughout San Diego County including in Pacific Beach, La Jolla, North Park, Chula Vista, Carlsbad, Imperial Beach, Scripps Ranch, Otay Ranch, Mission Beach, Sorrento Valley, Mira Mesa, downtown San Diego, Point Loma, Ocean Beach, Hillcrest, and all surrounding areas. We're a wholesale lender in California, working exclusively through licensed mortgage brokers. We don't accept direct applications from borrowers. Connect with a licensed broker to access our lending programs for your San Diego investment property.

Ready to Fund Your Next San Diego Real Estate Investment?

San Diego's market rewards investors who act decisively with proper financing already secured. Whether you're executing your first coastal flip or building a rental portfolio across America's Finest City, Unitas Funding delivers the capital, expertise, and speed to help you compete and win. Stop watching deals go to investors with better financing. Contact our San Diego hard money lenders today and discover what a real partnership delivers.

Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting.