I have specialized in private hard money loans secured by real estate in California for 15 years. I have the resources to help with a wide range of funding requests, from land, construction and rehab to residential, commercial and special use properties. Our financing niche fills the gap where banks and other institutional lenders fail to meet the capital needs of a borrower. In todays market, that may mean properties that have high vacancy rates, lower than market rents, major deferred maintenance or issues with the stringent debt coverage ratios the banks require. Our loans are based mostly on the collateral value of the real estate.