Direct Private Bridge Lender · Est. 2003
Bridge loans in San Diego, CA
GPS Capital is a direct private bridge lender for San Diego-area investment real estate. Bridge capital for purchases, refinances, flips and rehabs - underwritten on the property and the exit, funded in as fast as one week.
San Diego bridge loan terms
Rates 9.99% to 12.99%, 1 to 2 points, loans from $500K to $20M, up to 70% of after-repair value, typically 12-month first-lien terms. No minimum credit score, no personal income verification in most cases. Funds in as fast as one week - well-documented files have funded in 3 to 5 business days.
Bridge financing in San Diego
San Diego offers reward buyers who perform like cash. We underwrite in-house at up to 70% of value, skip the formal appraisal in many cases, and fund on a one-week clock for well-documented files.
Questions
San Diego FAQ
Who is a direct bridge lender in San Diego?
GPS Capital is a direct private bridge lender, funding investment property nationwide since 2003, including the San Diego market. Every loan is underwritten, funded and serviced in-house - no broker, no outside committee between you and the wire.
What are bridge loan rates in San Diego?
GPS Capital's bridge loans run 9.99% to 12.99% with 1 to 2 points, from $500K to $20M, up to 70% of after-repair value, typically on 12-month first-lien terms. Every deal is priced on its own merits.
Which San Diego scenarios fit a bridge loan versus DSCR?
Bridge fits the short term: acquisition, rehab, value-add or a deadline. DSCR fits stabilized, cash-flowing commercial property you plan to hold. Many deals bridge first and take out with DSCR.
What credit score or income docs do I need for a San Diego bridge loan?
None. There is no minimum credit score and no personal income verification in most cases - the property carries the loan. A personal guarantee is standard.
Do you work with San Diego-area brokers?
Yes. Brokers are welcome and GPS Capital pays broker fees. Send the property address, loan amount and the borrower's goal for a same-day review.
Related
Next Step
Send the deal. Get a
straight answer.
Property type, address, loan amount, and your goal is enough for us to start. Every submission is reviewed by the team that funds the loan, with follow-up inside 2 hours.