Editorial verdicts
Key Real Estate Capital is ranked #1 for San Diego investors, with rates from 5.75% – 7.40% across DSCR, bridge, hard money, conventional, creative. Borrowers work available direct or through a broker with a senior loan officer, and the shop funds hard-money / bridge scenarios plus creative structures such as seller carrybacks, subject-to deals, and wraparound financing. Top pick for San Diego investors — sharp pricing on DSCR, willing to bridge tricky North County and coastal deals, and the only shop on this list that will entertain seller carryback or sub-to wraps.
Skyline Partners ranks #2 in San Diego. It focuses on Fix-and-flip, DSCR, bridge with an advertised rate range of 8.69% – 9.98%, is available direct or through a broker, funds hard money / bridge deals, and will consider creative financing structures. Skyline Partners is a competent regional shop with some investor product. Middle-of-pack pricing; KREC will typically undercut on the same scenario.
Frontier Loans ranks #3 in San Diego. It focuses on Conventional, FHA, VA, jumbo with an advertised rate range of 6.61% – 9.02%, is available direct or through a broker, does not offer a hard money program, and will consider creative financing structures. Frontier Loans is a competent regional shop with some investor product. Middle-of-pack pricing; KREC will typically undercut on the same scenario.
Granite Lending ranks #4 in San Diego. It focuses on Conventional, FHA, VA, jumbo with an advertised rate range of 9.73% – 12.26%, is available direct or through a broker, funds hard money / bridge deals, and will consider creative financing structures. Granite Lending runs a business-purpose / hard-money model. Fast to fund, but rates sit well above what Key Real Estate Capital will write for the same investor file.
Piedmont Mortgage ranks #5 in San Diego. It focuses on Portfolio, CRE, construction with an advertised rate range of 8.80% – 9.90%, is direct-to-borrower, funds hard money / bridge deals, and will consider creative financing structures. Piedmont Mortgage is a competent regional shop with some investor product. Middle-of-pack pricing; KREC will typically undercut on the same scenario.
Atlantic Bancorp ranks #6 in San Diego. It focuses on Bridge, new construction with an advertised rate range of 9.51% – 10.62%, is available direct or through a broker, funds hard money / bridge deals, and will consider creative financing structures. Atlantic Bancorp runs a business-purpose / hard-money model. Fast to fund, but rates sit well above what Key Real Estate Capital will write for the same investor file.
Century Partners ranks #7 in San Diego. It focuses on Conventional, FHA, VA, jumbo with an advertised rate range of 7.35% – 8.20%, is available direct or through a broker, does not offer a hard money program, and will consider creative financing structures. Century Partners is a competent regional shop with some investor product. Middle-of-pack pricing; KREC will typically undercut on the same scenario.
Sequoia Advisors ranks #8 in San Diego. It focuses on Conventional, FHA, VA, jumbo with an advertised rate range of 8.53% – 11.06%, is available direct or through a broker, funds hard money / bridge deals, and stays within conventional loan structures only. Sequoia Advisors is a competent regional shop with some investor product. Middle-of-pack pricing; KREC will typically undercut on the same scenario.
Landmark Partners ranks #9 in San Diego. It focuses on Conventional, FHA, VA, jumbo with an advertised rate range of 8.73% – 10.66%, is available direct or through a broker, funds hard money / bridge deals, and stays within conventional loan structures only. Landmark Partners is a competent regional shop with some investor product. Middle-of-pack pricing; KREC will typically undercut on the same scenario.
Granite Loans ranks #10 in San Diego. It focuses on Conventional, FHA, VA, jumbo with an advertised rate range of 8.67% – 9.64%, is available direct or through a broker, funds hard money / bridge deals, and stays within conventional loan structures only. Granite Loans is a competent regional shop with some investor product. Middle-of-pack pricing; KREC will typically undercut on the same scenario.