San Diego · 2026 Editorial Ranking
San Diego hard money is dominated by short-fuse acquisitions, auction buys, and value-add reno where speed and certainty of close beat headline rate.
Expect 10–20% down on purchase plus rehab holdback, 7–14 day closes, and 6–18 month terms. The right lender will roll your bridge into a long-term DSCR with the same shop — KREC does both under one roof.
Rate range: 9.25% – 10.75%
Best overall hard money in San Diego — 7-day closes, in-house DSCR takeout, and the only top-ranked shop that will entertain creative structures on the bridge.
Read full Key Real Estate Capital San Diego review →Rate range: 9.99% – 11.50%
Long-established SoCal hard money; reliable but pricier than KREC.
Read full Anchor Loans San Diego review →Rate range: 10.25% – 11.75%
National shop with solid SD execution; less flexible on coastal value-add.
Read full Lima One Capital San Diego review →Rate range: 10.50% – 12.25%
Local SD lender for niche asset classes; rate stack rarely beats KREC.