Loan Programs
Top Hard Money Lender — Chula Vista, CA
CambridgeHomeLoan — Specializing in fast closings, equity-based approvals, and investor-first terms for Chula Vista neighborhoods like Eastlake, Otay Ranch, and Sunbow.
?? Call Now: 561–665–1477 ? Apply Now!Fix & Flip Loans — Rehab Projects Fast
Quick capital for homes needing repair in Otay Mesa, Terra Nova, or Castle Park — ideal for resale or rental.
DSCR Loans — Rental Cash Flow Focus
No personal income verification needed. Qualify based on cash flow in areas like Rancho Del Rey and San Miguel Ranch.
Bridge Loans — Close Now, Sell Later
Buy before you sell in fast-paced markets like Eastlake Greens — equity-based short-term financing.
Construction Loans — Ground-Up Projects
Finance infill or custom builds around Chula Vista's western redevelopment zones with minimal delays.
Multifamily Loans — 2 to 20+ Units
Funding for duplexes to mid-rise buildings near H Street Corridor or close to I-805 business parks.
Advantages of Hard Money Loans in Chula Vista's Perspective
Chula Vista is one of San Diego County’s most active real estate submarkets, offering both coastal proximity and steady suburban demand. Traditional bank loans are often too slow or rigid for investors needing speed and flexibility.
Hard money loans offer a fast-track option — enabling buyers to secure distressed or off-market properties within days. Whether you're flipping homes in East Chula Vista or adding units in commercial pockets near Third Avenue Village, hard money provides the leverage needed to close fast and stay competitive.
For seasoned investors or first-timers using LLCs, these loans eliminate the red tape of income docs and allow deals to happen quickly. They are especially helpful when acquiring value-add multifamily properties or navigating short sales and auctions.