Close Quickly in LA or San Diego with a Private Money Loan | Valor Lending Group
In Southern California’s lightning-fast real estate market, hesitation can cost you your dream deal. Whether it’s a fixer in Venice Beach, a duplex in North Park, or an ocean-view estate in La Jolla, opportunities don’t wait for slow bank approvals. That’s why savvy investors, flippers, and high-intent buyers choose to Close Quickly in LA or San Diego with a Private Money Loan. These flexible, short-term financing solutions give you the power to act like a cash buyer without the red tape of traditional lending.
At Valor Lending Group, I specialize in helping clients leverage private money loans to dominate competitive SoCal markets. From Hollywood Hills to Coronado Island, our extensive lender network and fast-track approvals mean you can go from accepted offer to closed deal in a fraction of the time it takes with a bank. Whether you’re making a quick flip, buying a long-term rental, or seizing an off-market gem, I’ll structure a loan that moves at your speed.
Call me, Hayden Madison, today at 858-349-7538, or email me at hmadison@valorlending.com
Let’s skip the red tape and start building your portfolio today.
Why Private Money Loans Are Perfect for LA & San Diego Deals
In Los Angeles and San Diego, timing is everything. Homes often sell in days, sometimes hours, with multiple offers pushing prices higher. Traditional banks can take 30–60 days (or more) to close, often costing buyers the deal. Private money loans, on the other hand, can fund in as little as 7–10 days, sometimes even faster, keeping you ahead of the competition.
Key advantages for SoCal buyers:
- Speed – Secure funding in days, not weeks
- Flexibility – We can structure loans for unique properties or unconventional borrower situations
- Minimal Documentation – Less paperwork, fewer delays
- Competitive Edge – Sellers love fast, reliable closings
Top Private Money Loan Programs for SoCal Investors
1. Valor Bridge Loan – Owner Occupied
Ideal for: Homeowners in LA or SD needing quick cash for a business purpose
Highlights:
- Terms up to 11 months
- Max 75% LTV on 1st TD, 65% on 2nd TD
- No prepayment penalty
- Available across California
2. Valor Investment Property Loan – Non-Owner Occupied
Ideal for: Investors purchasing or refinancing rentals, flips, or multi-unit properties
Highlights:
- 1–5 year terms
- Up to 80% LTV
- No prepayment penalty
- Perfect for short- or mid-term investment horizons
3. Valor Cross-Collateral Loan
Ideal for: Investors leveraging equity from multiple SoCal properties
Highlights:
- No appraisal required (lender discretion)
- Potential for 100% financing by crossing properties at 65% CLTV
- 1–2 year terms
- Flexible structure for experienced investors
Pros and Cons of Private Money Loans
Pros:
- Speed: Close in days, not weeks
- Flexibility: Creative structures for complex deals
- Competitive Offers: Act like a cash buyer
- Minimal Paperwork: No endless document chasing
Cons:
- Higher Costs: Rates and fees are typically above conventional loans
- Shorter Terms: Often 6–24 months, requiring a clear exit strategy
- Larger Down Payment: Usually 20–30% down
The Investor’s Advantage is to Close Quickly in LA or San Diego with a Private Money Loan
Whether you’re trying to outmaneuver cash buyers in Beverly Hills, grab a rehab project in South Park, or lock down an off-market gem in Laguna Beach, private money is the secret weapon serious SoCal investors rely on. With the speed and certainty these loans provide, you can confidently make offers with short contingencies, exactly what sellers in this market love to see.
At Valor Lending Group, I know that no two investment strategies are alike. Some clients need quick 6-month rehab financing; others prefer 2–3 years to reposition a property before selling or refinancing into a conventional loan. I tailor every deal so you can focus on the opportunity, not the bank’s endless checklist.
Here’s why LA and San Diego investors keep coming back to private money:
- Speed Wins Deals – When a seller demands a 10-day close, bank financing simply can’t compete
- Flexible Property Types – Fixers, mixed-use spaces, and unique properties that banks avoid are often no problem
- Cash Flow Control – Interest-only payment options keep carrying costs low during renovations or lease-up
- Credit Flexibility – More weight on the deal and collateral, less on perfect credit
From the luxury hills of Bel Air to the coastal streets of Del Mar, Valor Lending Group is your go-to partner for quick, strategic funding. I understand the urgency of the Southern California market, and I have the private lender relationships to make the difference between winning and losing a deal.
Whether it’s your first investment or your fiftieth flip, I’ll structure a financing plan to help you move fast, close strong, and keep your portfolio growing.
Call me, Hayden Madison, at 858-349-7538, or email me at hmadison@valorlending.com
Let’s get you from offer to closing before the competition blinks.
VALOR LENDING GROUP OFFERS EVERY MORTGAGE LOAN IN THE BOOK!
At Valor Lending Group, I’m ready to help you achieve your investment goals.
Call me, Hayden Madison, directly at 858-349-7538, and turn your dreams into reality today!
Recently Funded | Valor Lending Group
$1,044,550 Loan amount | Private Money Bridge Loan | Purchase | 65% LTV | Murrieta, CA
$1,900,000 Loan amount | Full Doc Jumbo Loan | Cash Out Refi | 31% LTV | Mirage, CA
$1,430,000 Loan amount | 24 Month Bank Statement Loan | Purchase | 65% LTV | Phoenix, AZ
$2,625,000 Loan amount | Ground up Construction Loan | Purchase | 65% LTV | Malibu, CA
$1,905,000 Loan amount | Fix and Flip Loan | Purchase | 90/100 LTV | Palos Verde, CA
$2,645,000 Loan amount | Ground up Spec Construction Loan | Purchase | 65% LTV | Palm Springs, CA
$712,500 Loan amount | DSCR Loan | Cash Out Refi | 75%LTV | 70% LTV
$4,013,750 Loan amount | Full Doc Jumbo Loan | Rate& Term Refi | 75% LTV | Newport Beach, CA
$592,500 Loan amount | DSCR Loan | Purchase | 75% LTV| Seattle, WA
And many more.
Every Project, Every Loan – Let’s Build Your Success Together!
Call me, Hayden Madison, today at 858-349-7538, or email me at hmadison@valorlending.com
Recap of Our Loan Products:
- Private Money Loans (20% down / minimal documentation) typically, funds in 7-10 days
- Stated Income Loans (Great for business owners and self-employed) No tax returns!
- 100% financing is available (we can cross-collateralize other properties if there is enough equity)
- Valor VA Home Loan 100% financing up to $2.5MM
- Investor Cash Flow Loan – No tax returns or DTI calculation! Based on the subject property’s cash flow
- Flipper & Rehab Loans (Flip a property with one of our many options)
- 2nd Position Loans up to $5MM
- Raw Land & Lot Loans
- Ground-up Construction for spec homes, custom homes, and commercial ground-up.
- Farms, Vineyards, Ranches, and Agricultural Properties (25-30% down)
- 10% down, Jumbo’s up to $1.5MM
- Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
- Acreage Properties
- Commercial Loans up to $500MM
- 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
- Foreign Nationals Loans (no social security or residency required)
We Also Offer:
- 10, 15, 20, 25, 30 years Fixed, Conventional Conforming Loans
- High Balance Conforming, aka Super Conforming
- Jumbo’s to $10 MM / 10% down Jumbo to $1.5MM
- FHA, USDA
- ARM’s
- Reverse mortgages up to $1MM Value
- Refinance including Cash Out
**Rates and terms are subject to change without notice
