Hard Money Loans in Encinitas
Fast private real estate financing in Encinitas. Close in 7-10 days with no appraisals required.
$1.9M
Median Price
+7.1%
YoY Change
$0.0M+
We've Funded
0+
Deals Closed
Why Trinity for Encinitas?
Encinitas combines laid-back beach culture with strong property values. The diverse neighborhoods—from Cardiff-by-the-Sea to Leucadia—each have distinct characters and investment opportunities.
Our construction lending expertise is particularly valuable in Encinitas, where many investors are doing major renovations or ground-up builds.
"Encinitas has become one of San Diego's hottest markets. From Cardiff to Leucadia, we're seeing strong investor activity in both acquisitions and new construction."
Loan Programs Available in Encinitas
Residential Acquisition
Fast financing for investment properties in Encinitas. Single-family, condos, multi-family.
- Up to 75% LTV
- No appraisals required
- Close in 7-10 days
- Interest-only payments
Construction & Rehab
Ground-up, remodels, and fix-and-flip financing in Encinitas.
- Up to 65% of ARV
- Flexible draw schedule
- 24-48 hour draws
- Construction expertise
Cash-Out Refinance
Access equity in your Encinitas investment property quickly.
- Up to 75% LTV
- No income verification
- Asset-based lending
- Quick closings
Hard Money Loans in Encinitas: FAQs
What types of properties do you finance in Encinitas?
We finance all non-owner-occupied properties in Encinitas, including single-family homes, condos, townhomes, multi-family properties, and commercial real estate. This includes properties in Cardiff-by-the-Sea, Leucadia, Old Encinitas, and surrounding areas.
How quickly can you close on a Encinitas property?
We typically close in 7-10 days from approval. Since we don't require appraisals and make decisions in-house, we can move as fast as title and escrow allow. For competitive Encinitas deals, this speed is often the difference between winning and losing.
What is the typical loan size for Encinitas?
Our loans range from $1 million to $8 million, which covers most Encinitas investment properties. Given Encinitas's median home price of $1.9M, our typical loan in this area ranges from $1.5M to $5M.
What are your rates for Encinitas properties?
Our rates range from 9.99% to 10.99% depending on the loan type, property, and risk profile. We offer interest-only payments, so you only pay on the outstanding balance. Points range from 0.5 to 2 depending on the deal.
Also serving nearby communities:
Ready to Discuss Your Encinitas Project?
Contact us today to get a quote on your Encinitas real estate investment.