Murkland Hard Money Lenders provides bridge loans in San Diego.
These short-term hard money loans help real estate investors, property owners, and developers finance residential investment and commercial properties.
Buying before another property sells? Waiting for long-term financing? We’ll review your property, funding needs, and timeline to help you explore your options.
Ready to Get Started?
Share your property details and funding timeline to start a conversation with our local lending team.
What Is a Bridge Loan?
A bridge loan is a short-term loan secured by real estate that helps San Diego investors cover temporary funding gaps.
Investors often use bridge financing to purchase an investment property before another sells or while waiting for long-term financing.
These types of loans are generally straight forward from a lender and borrower perspective and can fund quickly. These loans are business purpose use only.
At the end of the loan term, a balloon payment is due. The balloon payment is the full loan amount. This is paid using proceeds from a property sale or refinance with another lender.
Buy an Investment Property Before Another Sells
A property you want to purchase may become available before your existing investment sells.
Bridge financing can help cover the gap so you can pursue the purchase while the sale is still underway.
Close While Long-Term Financing Is Pending
If your purchase deadline arrives before your permanent financing is ready, a bridge loan may provide temporary funding to complete the transaction.
Your closing timeline should account for the California real estate escrow process and any outstanding funding conditions.
You can then repay the bridge loan when the longer-term financing closes.
Fund Property Improvements
Short-term financing can help cover renovations or commercial tenant improvements while you prepare a property for sale, leasing, or refinancing.
If purchasing and renovating for resale is your main goal, ask about our fix and flip loans.
Bridge Loan Program Details
Rates, fees, loan amounts, and availability depend on your property, project, and approval.
| Loan feature | Program details |
|---|---|
| Loan amounts | $100,000 to $2,000,000+ |
| Loan terms | 6 to 18 months |
| Property types | Business purpose loans for single-family investment homes, multifamily properties, and commercial real estate |
| Typical funding timeline | 5 to 10 business days, depending on the transaction |
| Lending area | Throughout San Diego County |
What to Have Ready
To help us review your request, gather:
- Property details: Where the property is located in San Diego County.
- Business purpose: Confirm the loan proceeds are for business purposes only.
- Funding needed: How much you’re looking to borrow.
- Property value: The purchase price or estimated current value.
- Project details: Your plans for purchasing, renovating, or refinancing
- Timeline: When you need funding and your expected project length.
- Repayment plan: How you expect to repay the loan, such as selling or refinancing the property. For renovation projects, include your estimated improvement budget and the property’s expected value after the work is completed.
Before moving forward, consider the total borrowing cost and how you would handle a delayed sale or refinance. Your repayment timeline should leave room for unexpected setbacks.
Ready To Get Started? Apply Now »
Benefits of a Bridge Loan
Bridge loans help you manage funding gaps and tight deadlines during a real estate investment.
Benefits include:
- Act on time-sensitive opportunities: Work toward a tight closing deadline without waiting for another property sale or financing transaction to finish.
- Keep your project moving: Cover a temporary funding gap while a sale, refinance, or other financing is pending.
- Match financing to your timeline: Get short-term funding while you complete improvements or arrange long-term financing.
Why Choose Murkland Hard Money Lenders?
- Local to San Diego: Work with a local lending team serving investors throughout San Diego County.
- Lending experience since 2017: We help real estate professionals, investors, and developers find financing suited to their property and plans.
- Led by Brian Murkland: Our President and CEO is a California licensed real estate broker with a background in construction, real estate, finance, and legal operations.
- Work directly with our team: Discuss your property, funding needs, and timeline with the team reviewing your loan.
- Clear communication: Get straightforward answers about loan terms, required information, and what happens next.
What Our San Diego Borrowers Say
Read client reviews about their experience with our services, from the initial financing inquiry through the lending process.
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Hi, I apply for a Bridge loan with Murk investment It was really easy. I did have a few questions I spoke with Mr. Brian, which he was really professional really helpful. I feel that I was in good hands This company has been helping people for more than 10 years in San Diego County trustworthy in the truly they care to help you. I will highly recommend it If you ever need it fix and... read more
Peter
February 23, 2026Brian had our best interests at heart and has a ton of insight which added a lot of value throughout the process. He had excellent teams in place to move us from start to finish as smoothly as possible. It was a pleasure to work with Murk Investments and we would do it again.
Frank M
April 3, 2025Brian is incredibly professional! I appreciated his clear communication and positive attitude. Always a pleasure!!
Ashley Linton
March 22, 2025 -
Brian is quick to respond, very organized, and very knowledgeable. Super easy to work with. Highly recommend. In addition to all the regular stuff, he can help with private loans, creative financing, HOA stuff, room additions, raw land development, and so on. He's a good resource and will add to your toolbox in any given real estate deal.
Chris Reneau
March 21, 2025Brian was amazing to work with. We told him the area we wanted, what our criteria was and he identified several properties for us to view. Once we identified our choice the procedure was seamless. From the offer to opening escrow to closing on the property, Brian was helpful, detail oriented and made the process so easy. We would recommend Brian Murkland to anyone looking to buy or sell your home.
Cheryl Naumann
August 21, 2024Brian is a pleasure to work with, has a good handle on all facets of the transaction and is fair and honest in his dealings. He has great attention to detail and keeps you informed as the deal progresses.
scott linton
April 23, 2021
San Diego Bridge Loan FAQs
Find answers to common questions about bridge loan costs, qualifications, and payments with Murkland Hard Money Lenders.
Qualification depends on the property, your funding needs, and how you plan to repay the loan. Murkland Hard Money Lenders focuses on the real estate investment and proposed transaction. To get started, share your property address, requested loan amount, and timeline so our team can discuss your options.
Your total cost depends on the amount borrowed, interest rate, loan length, and applicable fees. When requesting a quote from Murkland, ask for a breakdown of interest, lender fees, and third-party closing costs. Knowing the full cost helps you decide whether the financing makes sense for your San Diego investment.
Yes. Murkland Hard Money Lenders offers bridge financing for single-family investment homes, multifamily properties, and commercial real estate throughout San Diego County. These loans can help cover a funding gap while you wait for another property to sell or longer-term financing to close.
Bridge loans generally carry higher interest rates than conventional financing and must be repaid within a shorter period. If your sale or refinance is delayed, you could face additional costs or difficulty repaying the loan on time. Before borrowing through Murkland, consider whether your budget and repayment plan can accommodate setbacks.
Payment requirements depend on your loan’s structure. Bridge loans can involve interest-only payments, with the principal repaid separately, but you shouldn’t assume that arrangement applies to every loan. Ask Murkland to confirm your payment schedule, monthly obligation, and final payoff requirements before committing.
Let’s Talk About Your San Diego Bridge Loan
Have a property in mind or a closing date coming up?
Tell us what you’re working on. We’ll review your funding needs and discuss whether a bridge loan fits your plans.
Call 858-242-2601 or complete our online application to get started.