Hard Money Loans in Rancho Santa Fe
Fast private real estate financing in Rancho Santa Fe. Close in 7-10 days with no appraisals required.
$4.5M
Median Price
+4.2%
YoY Change
$0.0M+
We've Funded
0+
Deals Closed
Why Trinity for Rancho Santa Fe?
Rancho Santa Fe's covenant-protected estates represent San Diego's most exclusive real estate. Large lots, custom homes, and discerning buyers create a unique financing environment.
We've funded multiple $5M+ new construction projects in the Ranch, understanding the covenant requirements and extended timelines these properties often require.
"Rancho Santa Fe represents the pinnacle of San Diego luxury real estate. These estate properties require lenders who understand high-value assets and complex construction projects."
Loan Programs Available in Rancho Santa Fe
Residential Acquisition
Fast financing for investment properties in Rancho Santa Fe. 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 Rancho Santa Fe.
- Up to 65% of ARV
- Flexible draw schedule
- 24-48 hour draws
- Construction expertise
Cash-Out Refinance
Access equity in your Rancho Santa Fe investment property quickly.
- Up to 75% LTV
- No income verification
- Asset-based lending
- Quick closings
Hard Money Loans in Rancho Santa Fe: FAQs
What types of properties do you finance in Rancho Santa Fe?
We finance all non-owner-occupied properties in Rancho Santa Fe, including single-family homes, condos, townhomes, multi-family properties, and commercial real estate. This includes properties in Rancho Santa Fe, Fairbanks Ranch, The Bridges, and surrounding areas.
How quickly can you close on a Rancho Santa Fe 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 Rancho Santa Fe deals, this speed is often the difference between winning and losing.
What is the typical loan size for Rancho Santa Fe?
Our loans range from $1 million to $8 million, which covers most Rancho Santa Fe investment properties. Given Rancho Santa Fe's median home price of $4.5M, our typical loan in this area ranges from $1.5M to $5M.
What are your rates for Rancho Santa Fe 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.
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Ready to Discuss Your Rancho Santa Fe Project?
Contact us today to get a quote on your Rancho Santa Fe real estate investment.