Trusted Hard Money Loans in San Pedro, CA

San Pedro Hard Money Lenders

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Hard Money Loans in San Pedro, CA

RTI Bridge Loans is your go-to lender for hard money loans in San Pedro, CA. Real estate investors, property developers, and business owners count on us for fast, reliable financing when traditional banks can’t keep up. If you’re looking to purchase an investment property, renovate a fixer-upper, or secure funding for a business expansion, we make the process quick and hassle-free. Our team understands the San Pedro real estate market and provides funding solutions that help you close deals without unnecessary delays.

Bridge Loan Program

Commercial Lending Specifications

PRODUCT DESCRIPTION
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
LENDING SCENARIOS Time Sensitive Transactions
  • 1031 Exchanges
  • Expiring Purchase Contracts
  • Balloon Payments
  • Partnership Buyouts
Distressed Scenarios
  • Bankruptcy Restructurings
  • Foreclosure Loans
  • Discounted Payoff
  • Agreements
Value Add
  • Renovation Loans
  • Tenant Improvements
Cash Out
  • All Cash Dispersed at Closing
  • No Fund Control
COLLATERAL
  • Multifamily | Office | Retail
  • Mixed Use | Luxury Residential

Reliable Hard Money Lending in San Pedro

Securing a loan through RTI Bridge Loans is simple. We specialize in fast approvals, flexible loan terms, and a smooth borrowing experience. Unlike traditional banks that require perfect credit and extensive paperwork, our loans are asset-based, allowing you to get the funding you need based on the value of your property. This means fewer obstacles and a quicker turnaround time for real estate investors and business owners who need capital without the headaches of conventional financing.

San Pedro, CA Real Estate Market Overview

San Pedro, a coastal community in Los Angeles, has a growing real estate market influenced by its waterfront location, ongoing development projects, and demand for rental properties. As of 2025, the market presents opportunities for investors looking to buy, renovate, or refinance properties.

Residential Market

  • The median home price in San Pedro stands at approximately $820,000, reflecting a steady year-over-year increase.
  • Homes in the area typically spend around 35 to 45 days on the market, with competitive bidding on well-located properties.
  • The rental market remains strong due to the city’s proximity to major job centers, making multifamily properties an attractive investment.

Commercial and Industrial Real Estate

  • San Pedro is seeing increased interest in mixed-use developments and commercial properties, especially near the Port of Los Angeles.
  • Industrial spaces are in demand due to shipping and logistics activity, though vacancy rates have slightly risen due to recent supply chain shifts.
Investors looking to capitalize on San Pedro’s real estate market can benefit from hard money financing to secure properties quickly and take advantage of emerging opportunities.

Types of Loans We Offer

RTI Bridge Loans provides a range of loan options to suit different real estate investment needs:

  • Fast-Closing Loans: Secure funding quickly to close on a time-sensitive investment.
  • 1031 Exchange Loans: Ensure you meet strict deadlines for tax-deferred property exchanges.
  • Refinance for Balloon Payments: Avoid financial strain by refinancing an upcoming balloon payment.
  • Partnership Buyouts: Obtain the capital needed to buy out a business or real estate partner.
  • Distressed Property Loans: Finance renovations for fixer-uppers or properties in foreclosure.
  • Foreclosure Prevention Loans: Stay in control of your investment and avoid foreclosure.
  • Cash-Out Loans: Unlock property equity for new projects or financial flexibility.

What Types of Properties Qualify?

RTI Bridge Loans provides financing for a variety of property types, including:

  • Single-family investment properties
  • Multifamily units and apartment buildings
  • Office spaces
  • Retail properties
  • Mixed-use developments
  • High-end residential properties

If you’re investing in real estate, our hard money loans can help you access the capital you need, regardless of the property type.

Recently Funded Hard Money Loans

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

Why Work with RTI Bridge Loans for Hard Money Loans in San Pedro?

Choosing RTI Bridge Loans means working with a lender who understands the San Pedro real estate market and provides practical funding solutions. Here’s what you can expect:

  • Fast Approvals: Get a funding decision within 24 hours.
  • Flexible Loan Terms: We structure loans to match your project’s timeline and needs.
  • Simplified Process: No excessive paperwork or long waiting periods.
  • Experienced Team: Our team has deep knowledge of real estate investments and lending.

How to Apply for a Hard Money Loan in San Pedro

Getting a loan through RTI Bridge Loans is straightforward:

  • Contact Us: Discuss your project and funding needs with our team.
  • Submit an Application: Provide basic property details and financial information.
  • Receive Approval: We evaluate your request and present loan options.
  • Get Funded Quickly: Once approved, funds are available in days, not weeks.

Residential and Commercial Hard Money Loans in San Pedro

Whether you’re flipping homes or investing in commercial real estate, our hard money loans provide the financial support you need.

Residential Hard Money Loans

Investors looking to buy, renovate, or refinance properties can benefit from our fast funding options. These loans are ideal for house flips, rental property acquisitions, and refinancing short-term debt.

Commercial Hard Money Loans

For those investing in office buildings, retail spaces, or mixed-use developments, RTI Bridge Loans provides financing without the restrictions of traditional banks. Our Commercial loans help business owners and developers secure properties and complete projects without funding delays

Investing in San Pedro Real Estate: Why It’s Worth Considering

San Pedro offers strong investment potential due to its waterfront location, ongoing revitalization projects, and proximity to major job markets. Key benefits include:

  • Growing Demand: The area continues to attract buyers and renters, keeping real estate in high demand.
  • Strategic Location: Access to the Port of Los Angeles, major highways, and business hubs makes it an attractive spot for commercial and residential investments.
  • Development Opportunities: New construction projects and infrastructure improvements are enhancing property values.

Benefits of Hard Money Loans

Hard money loans provide advantages that traditional financing can’t match:

  • Quick Access to Capital: Receive the funding you need in days, rather than waiting weeks for bank approvals and underwriting processes.
  • Flexible Lending Terms: Loan structures are tailored to meet the unique needs of different real estate investment strategies and project timelines.
  • Less Emphasis on Credit Score: Approval is primarily based on the value of the property, making it an option for investors with less-than-perfect credit.
  • Larger Loan Amounts Available: Borrow more capital to finance high-value properties, without the restrictive loan limits imposed by conventional lenders.
  • Keep Full Control: Secure funding independently, without having to rely on outside investors or business partners who may influence your decisions.

Getting Approved for a Hard Money Loan in San Pedro, CA

Unlike traditional loans that rely heavily on credit scores, our approvals are based on property value and investment potential. You can improve your chances of approval by:

  • Presenting a clear investment plan.
  • Offering strong collateral.
  • Demonstrating real estate experience (not required but beneficial).

Partner with RTI Bridge Loans Today

If you need a hard money loan in San Pedro, CA, RTI Bridge Loans is ready to help. Our fast funding solutions, flexible terms, and deep understanding of San Pedro real estate investments make us a trusted partner. Contact our experts today at (562) 857-2285 to discuss your financing needs and secure the funding to move forward with your investment.

Frequently Asked Questions

No, hard money loans are asset-based, meaning approval depends more on the value of the property than the borrower’s credit score. While credit history may be considered, it’s not the primary factor in the lending decision.
At RTI Bridge Loans, we offer fast approvals, often within 24 hours. Once approved, funds can be available in as little as a few days, depending on the property and loan details.
Loan terms vary based on the property, loan amount, and borrower’s needs. However, most hard money loans are short-term, usually ranging from 6 months to 3 years, with interest rates typically higher than conventional loans.
A traditional mortgage is based on a borrower’s income, credit score, and financial history, often requiring extensive paperwork and a long approval process. Hard money loans, on the other hand, prioritize the property’s value and allow for faster approvals with fewer requirements.
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