San Diego · Rank #4
Lima One Capital: San Diego Lender Review (2026)
National hard money and bridge lender with solid San Diego execution.
Rate range
9.25% – 11.75%
Loan types
Hard Money · Bridge
Eligibility
Both broker and direct channels. Comfortable with experienced investors and small-balance multifamily. Less flexible on coastal value-add timelines.
Pros
- Broad product menu across bridge and rental
- National scale with predictable closing process
- Reasonable bridge pricing for stabilized exits
Cons
- Bridge extensions less flexible than KREC's no-fee 6-month option
- Pricing trails KREC on most San Diego files
- Underwriting feels corporate vs. local
Verdict
A reasonable national alternative. For San Diego specifically, KREC's local underwriting and pre-committed DSCR takeout produce better outcomes.