Loan FAQs

Start with your plans for the San Diego property, how soon you need funding, and how you’ll repay the loan. Murkland Hard Money Lenders can review those details and discuss suitable options.

A bridge loan may help you purchase a San Diego investment property while another property sells or long-term financing is arranged. A fix and flip loan focuses on purchasing, renovating, and reselling a property.

Not necessarily. Private money describes the funding source, so it can also be used for bridge loans and other real estate financing.

Gather your construction budget, project timeline, and current permit information. Let Murkland Hard Money Lenders know whether you’re planning a detached ADU, an addition, or a conversion. We cannot lend on your primary residence. The ADU must be built on an investment or a second or third property. This does include rental properties.

Hard money is best for temporary financing a San Diego investment property. Since these are considered business purpose loans, they are short term loans with usually a 12-month term.

Yes. Murkland Hard Money Lenders serves communities throughout San Diego County, including Carlsbad, Chula Vista, Del Mar, El Cajon, Encinitas, Escondido, La Jolla, Oceanside, San Diego, and Vista.

Murkland Hard Money Lenders offers business purpose financing for single-family investment homes, multifamily properties, and commercial real estate. Eligibility depends on the property and loan program.

Prepare a realistic purchase budget, project timeline, and repayment plan to discuss with Murkland Hard Money Lenders. For renovations, include contractor estimates and a description of the work. Most importantly, include the LTV and how much money you will be putting into the project.

Yes, this is one of the reasons why hard money lenders exist. Contact Murkland Hard Money Lenders to discuss your circumstances and property. Eligibility depends on a review of the loan request, and approval isn’t guaranteed.

You will need at least 30% – 40% equity in the project for us to consider. Requirements depend on the property and proposed financing. Ask Murkland Hard Money Lenders about the total cash needed at closing.

No. Murkland Hard Money Lenders provides loans for investment, business, or commercial purposes.

The total depends on the property type and equity. Request a written breakdown from Murkland Hard Money Lenders so you can include financing costs in your San Diego project budget.

Private money loans are repaid when the property is either sold or the borrower secures a new loan with a different lender.

Some loans have a prepayment penalty. Depending on your project, one may or may not be included. Oftentimes, a guaranteed interest rate is incorporated, allowing the loan to be paid off early.

Contact Murkland Hard Money Lenders before the loan comes due to discuss available options. Extensions aren’t automatic and may involve additional requirements or costs.

Send Murkland Hard Money Lenders the address of your San Diego County property, the requested amount, the estimated loan-to-value, and the closing deadline. Include your project plans and how you expect to repay the loan.

You can contact Murkland Hard Money Lenders while exploring investment opportunities in San Diego. Share your target area, budget, and plans, but keep in mind that property-specific terms require an actual deal to review.

Share the deadline early so Murkland Hard Money Lenders can assess the timing. Closing depends on the property review, required documents, and remaining conditions.

No. Conditional terms describe proposed financing, but outstanding requirements must be satisfied before final approval and funding.

On some loans, yes. Murkland uses its own capital to fund and hold the loan. On other loans, Murkland acts as a licensed California real estate broker and arranges financing from private investors. Murkland’s role in your transaction is disclosed in writing through the Mortgage Loan Disclosure Statement before you are obligated to proceed.

Brian Murkland is the President and CEO of Murkland Hard Money Lenders. His work includes helping San Diego real estate professionals, investors, and developers explore financing options.

Visit the California Department of Real Estate’s license lookup for Corporation License #02125618 and designated broker Brian Wayne Murkland Jr., License #01982143.

Yes. Schedule an appointment with Murkland Hard Money Lenders to discuss your property, project timeline, and financing needs.

Yes. Murk Investments Corp. rebranded as Murkland Hard Money Lenders to better reflect its focus on hard money lending in San Diego.

Murk Investments Corp. (dba Murkland Hard Money Lenders) is a licensed California real estate broker, DRE license no. 02125618. We fund some loans directly and other times we arrange loans as a broker, with financing provided by private investors.

The capacity in which we act on any particular loan is disclosed to the borrower in writing in the Mortgage Loan Disclosure Statement before the borrower becomes obligated.