Murkland Hard Money Lenders provides private money loans in San Diego for real estate investors and property owners.
These real estate secured hard money loans offer financing for investment and business purposes.
Purchasing a property? Refinancing an existing investment?
We’ll review your property, funding needs, and timeline to explore financing options.
Ready to Get Started?
Share your property details and funding needs with our local lending team.
What Is a Private Money Loan?
A private money loan in San Diego is financing provided by private individuals or companies rather than a traditional bank.
In real estate lending, the loan is secured by real property and must be for business purpose use only.
Private money is used to fund all loans with Murkland Hard Money Lenders.
Loan approval depends on the property’s value, available equity, borrower qualifications, and repayment strategy.
The loan agreement outlines the interest rate, fees, payment schedule, and repayment deadline.
Purchase an Investment Property
Private financing may help you purchase an investment property when conventional financing doesn’t fit the transaction or closing schedule.
Share the property address, purchase price, and deadline. We’ll review the proposed purchase and discuss whether available financing meets your needs.
Refinance an Existing Investment
Refinancing may help replace an existing loan or access available property equity for an approved investment or business purpose.
Tell us about the property, outstanding loan balances, and intended use of funds so we can review your options.
Fund Property Improvements
Depending on the approved loan, private money financing may help cover renovations or improvements to an investment property.
Provide your scope of work, estimated costs, and completion timeline. For projects within the City of San Diego, account for any renovation permit requirements when planning your schedule.
We’ll discuss whether improvement costs qualify and how any renovation funds would be released.
Private Money Loan Program Details
Loan amounts, rates, fees, and terms depend on your property, borrower qualifications, and proposed transaction.
When reviewing your options with our team, we’ll discuss:
- Loan amount: Available financing based on the property, existing debt, and funding request.
- Cash contribution: Funds you’ll need at closing and during the project.
- Rates and fees: Interest, lender charges, and applicable third-party closing costs.
- Loan term: Payment schedule, repayment deadline, and final payoff requirements.
- Use of funds: Whether the proposed purchase, refinance, or improvements qualify.
- Funding timeline: Required documentation, property review, and closing conditions.
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 Private Money Loans
Private money financing offers another option when a traditional bank loan doesn’t fit your investment.
- Address different funding needs: Explore financing for a property purchase, refinance, or improvements.
- Review your transaction individually: Discuss the property, intended use of funds, and repayment strategy with our team.
- Pursue time-sensitive opportunities: Share your deadline early so we can assess whether available financing fits your schedule.
- Potentially access property equity: Depending on approval, refinancing may provide funds for an eligible investment or business purpose.
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 Private Money Loan FAQs
Find answers to common questions about private money loan qualifications, costs, and funding with Murkland Hard Money Lenders.
The terms overlap in real estate lending. Private money refers to financing from private individuals or companies, while hard money generally describes property secured financing that emphasizes the collateral. Compare the actual terms, costs, and requirements rather than relying on the loan’s name.
Depending on the approved financing, funds may be used to purchase an investment property, refinance existing debt, or complete improvements. Explain your intended use when applying so our team can assess whether it qualifies.
Contact us about your single-family investment home, multifamily property, or commercial real estate. Eligibility depends on the property’s condition, intended use, and proposed transaction.
The property securing the loan is important, but it isn’t the only consideration. Borrower qualifications, existing debt, available funds, and repayment plans may affect approval and terms. Ask which financial documents and credit requirements apply to your request.
Your total cost depends on the loan amount, interest rate, fees, and time before repayment. Request a breakdown of lender charges, third-party closing costs, payment obligations, and any prepayment or extension provisions.
Timing depends on the property review, required documentation, title and escrow work, and other closing conditions. Share your deadline early so we can assess the schedule and explain the next steps.
Your agreement specifies the payment schedule and final repayment deadline. Depending on the transaction, repayment may involve selling the property or refinancing. Confirm that the proposed schedule fits your plans before committing.
Let’s Talk About Your San Diego Private Money Loan
Have a property in mind or an existing investment to refinance?
Tell us what you’re working on. We’ll review your property, funding needs, and timeline to discuss whether private money financing fits your plans.
Call 858-242-2601 or complete our online application to get started.