Borrower Loans

Borrower Loans

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At HWH San Diego Hard Money Lender- Real Estate, we specialize in providing flexible, fast, and reliable financing options to help you succeed in your real estate investment projects. Whether you’re looking to fix and flip properties, fund new construction, or bridge the gap with a temporary loan, we’ve got you covered. Our loan solutions are tailored to meet the unique needs of real estate investors in San Diego, ensuring you get the right funding to achieve your goals.

Fix and Flip Loans

Are you looking to purchase, renovate, and sell a property for profit? Our Fix and Flip Loans are perfect for investors who want to quickly acquire and rehab distressed properties. With fast approval times and flexible terms, we help you get the capital you need to get started without unnecessary delays. Our team understands the local market and works closely with you to ensure you have the funds to succeed on every flip.

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DSCR Loans

If you’re focused on long-term rental properties, our DSCR Loans (Debt Service Coverage Ratio) are designed for you. These loans are ideal for investors looking to refinance or acquire rental properties that will generate consistent cash flow. With a focus on your property’s income-producing potential, we make the process simple and straightforward, allowing you to unlock your property’s true value without the headache of traditional lending requirements.

Ground Up Construction Loans

Building from the ground up? Our Ground Up Construction Loans provide you with the capital needed to bring your vision to life. Whether you’re constructing single-family homes, multifamily units, or commercial buildings, we offer competitive rates and flexible terms that align with your project timeline. With local expertise and a commitment to helping you build, we’ll work alongside you to make your construction project a success from start to finish.

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Bridge Loans

In need of short-term financing to secure your next property or investment opportunity? Our Bridge Loans are designed to fill the gap between buying and selling or transitioning to long-term financing. These fast and flexible loans provide quick access to capital, ensuring you don’t miss out on time-sensitive opportunities. If you’re in a situation where speed is crucial, a bridge loan is the perfect solution to keep your real estate investments moving forward.

Multifamily Loans

Looking to expand your portfolio with multifamily properties? Our Multifamily Loans are tailored to investors who want to acquire or refinance apartment buildings, duplexes, and other multifamily properties. With low rates and customized financing terms, we help you scale your real estate business with ease. We know the San Diego market and understand the complexities of multifamily investment, making us the ideal partner to help you achieve your real estate goals.

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Bank Statement Loans

For self-employed individuals or those without traditional income documentation, our Bank Statement Loans are a great option. These loans allow you to qualify based on your bank statements rather than tax returns or W-2 forms. If you have a strong cash flow but don’t fit the mold of traditional borrowers, our bank statement loans are designed to help you get the funding you need with minimal paperwork. We make it easy to access capital and keep your investments moving forward.

Frequently Asked Questions

Got a question? We’re here to help.

  • What is a hard money loan?

    A hard money loan is any loan secured by a “hard asset” like commercial or residential real estate. It is sometimes called a bridge loan, private capital loan or private loan. A hard money loan is a first mortgage on investment real estate. A hard money lender looks to the property as the primary collateral as opposed to the borrowers credit score or other factors. A hard money loan is an alternative to a traditional bank loan.



  • Do I pay any costs upfront?

    There are no upfront costs that Heritage Wealth Holdings LLC will charge to the borrower, the only cost that a borrower may be paying before close will be an appraisal - but that is done to a 3rd party, not to us.



  • Are there any pre-payment penalties?

    Generally, for residential bridge, ground-up, and fix-and-flip transactions there are no pre-payment penalties. For long-term loans, pre-payment penalties are standard but can be negotiated down to no pre-payment.

  • How long does it take to get a hard money loan?

    Getting a hard money loan is traditionally much faster than getting a traditional loan from a bank. That’s because the lender does not have to verify all your financial information. With Heritage Wealth Holdings LLC, you can get a hard money loan in an average of 14 days.

  • What types of assets do you lend on?

    Typically lending on residential assets from 1-9 units. We will consider 10+ units on a case-by-case basis. For these residential properties, we will look at ground-up, fix-and-flip, rental, or strictly bridge projects.



  • What is your minimum/maximum loan amounts?

    Generally for residential projects, our minimum loan amount will be $200,000 and a maximum of $5,000,000. We will consider higher/lower loan amounts on a case-by-case basis with mitigating circumstances. For large-scale development projects or multifamily/commercial projects we have higher limits.



  • What documents do I need to secure funding for a residential transaction?

    Here is a basic overview of the necessary documents that our loan officers will request/need from you:


    1) Loan Application


    2) 2 Months Bank Statements


    3) Driver's License


    4) Entity Documents (if property is vested in an entity)


    5) Appraisal


    6) Lease agreements + rent verification (if a DSCR loan)


    7) Scope of Work/Rehab Budget (if fix-and-flip)


    And that is IT for the majority of transactions we originate. We make it as easy as possible to receive financing.

  • What states do you currently lend in?

    We are currently lending 42 states! Easier than listing what states we lend in, here is a list of states we are currently not able to lend in:


    1) North Dakota


    2) South Dakota


    3) Minnesota


    4) Vermont


    5) Louisiana


    6) Utah


    7) Alaska


    8) Nevada


    New states are always opening up, so please check with a member of our team if you are in need of financing in the above state and we can see if there's an estimated timeline of when those states will be open to lend in.

  • What are the advantages of getting a hard money loan?

    Getting a traditional mortgage from a bank to rehab a property is difficult because banks don’t want to lend money to homebuyers who are not going to live in the home. Banks that lend this money do so at a higher interest rate, and approval takes so long that you often miss out on the sale. With a hard money loan, you get your cash quickly — within days. Sometimes a hard cash loan is the only avenue available for purchasing an investment property.

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