Los Angeles Hard Money Lenders
If you are investing in real estate in Downey, CA, and need funding that keeps up with the pace of the market, RTI Bridge Loans is here to help. We offer fast and dependable hard money loans to real estate investors, property flippers, and business owners who need quick capital without the slow approvals and red tape of traditional banks. Our process is simple, direct, and focused on helping you close deals on time.
RTI Bridge Loans provides short-term bridge loans secured by first and second trust deeds on real estate throughout California. We are a direct portfolio lender, which means we fund loans using our own capital and make our own decisions. You will not have to wait for third-party approvals, appraisals, or unnecessary paperwork. If your project has tight deadlines, we are ready to provide the financing to keep it moving forward.
Commercial Lending Specifications
| Loan Term | 1-2 Years |
| Loan Amount | $250,000 to 20,0000,000 |
| Lending Area | California | Nevada | Colorado |
| Trust Deeds | 1st & 2nd TD's |
| Loan-to-Value | Up to 75% |
| Interest Rate | Starting at 8.75% |
| Origination Fee | 1 to 3 Points |
| Prepayment Penalty | Not Required |
| Closing Time | 7 to 15 Days |
| Interest Reserve | No Payments for 6 Months |
Downey’s housing market has shown solid growth in 2025. Home prices have increased by over 8 percent compared to last year, with the median home now selling for nine hundred forty-five thousand dollars. Homes are also selling a bit faster, spending around twenty-nine days on the market compared to thirty-one last year. The number of homes sold also increased slightly, with thirty-seven homes sold in May compared to thirty-four during the same month last year.
With values on the rise and demand holding steady, securing financing quickly is more important than ever. RTI Bridge Loans offers the speed and reliability needed to compete in Downey’s growing market.
RTI Bridge Loans supports a wide range of investment scenarios. Some of the most common situations we fund include:
We work with a wide variety of property types in Downey and throughout California. Our lending programs are ideal for:
Our team understands how to structure deals that align with your investment goals, no matter what type of property you are working with.
RTI Bridge Loans was built to serve real estate investors with speed, reliability, and deep market knowledge. Our president, Robert Abbasi, has over forty years of experience in real estate investment and management. Since launching RTI Properties in 1986, he has grown the firm into one of California’s most respected names in real estate lending.
Here is what makes us a top choice for investors in Downey:
We provide funding for both residential and commercial real estate projects. If you are flipping homes, acquiring income property, or investing in commercial spaces, we are ready to help you move forward.
Ideal for investors who need fast capital to purchase, renovate, or refinance single-family homes, duplexes, or small multi-unit properties in Downey. Our residential loans are tailored for real estate professionals who want to close quickly, maximize ROI, and stay competitive in a fast-moving market.
Great for clients acquiring or repositioning retail centers, office buildings, or mixed-use developments. These loans are designed for entrepreneurs, developers, and investors looking for streamlined funding solutions that support acquisition, construction, or value-add strategies in Downey’s commercial real estate scene.
Getting approved for a hard money loan in Downey is more about the property than your personal credit score. Lenders focus on the value and potential of the real estate deal, making it easier for investors to access quick funding. To improve your chances of approval, here’s what helps:
Downey’s competitive market moves fast; hard money gives you the speed and flexibility to stay ahead.
Downey has become a highly desirable market in Southeast Los Angeles County. Here are a few reasons investors are paying attention:
With home prices rising over eight percent in the past year, Downey continues to show strong appreciation.
Downey is centrally located between downtown Los Angeles and Orange County, making it ideal for commuters and businesses.
Homes are selling faster and inventory remains tight, signaling continued interest from buyers and renters alike.
With the median home price still below one million dollars, Downey offers value compared to nearby cities.
JUST CLOSED in Long Beach! This was a multiple collateral 1st and 2nd TD loan at $5,400,000 needed for a
A developer was just completing and leasing up a large mixed use project in Santa Clarita. His construction loan had
$412,500 1st TD Bridge Loan Closed in Valley Center CA! Borrower needed fast capital to close on a below market
If you need a reliable source of funding for your next real estate deal in Downey, RTI Bridge Loans is ready to work with you. Our team has the experience and speed to get your project across the finish line without delays. Contact us today at (562) 857-2285 to speak with a real estate lending expert and move forward with confidence.
Not necessarily. While we will review your background, our primary focus is on the value of the property and the potential of your investment. If the numbers make sense, we can move forward, even if your credit is not perfect.
Hard money loans are short-term by design. When the loan term ends, you can either repay the balance in full, refinance through a traditional lender, or sell the property. If the loan is not repaid, the lender may take steps to recover the investment, including foreclosure.
In many cases, we can approve and fund a loan in just a few days. The process is fast because we are a direct lender and do not rely on outside appraisals or third-party approvals.
No. We do not charge prepayment penalties. If you finish your project ahead of schedule or decide to pay off the loan early, you are free to do so without extra fees.
Yes. Many of our clients use hard money loans to acquire investment properties in cities like Downey where fast-moving markets demand fast access to capital.
