Lending Programs

Hard Money, Bridge & Construction Loans California

Get Funded. Not Frustrated.

Real terms, real speed, real people. No runaround.

24-Hour Approvals 7-10 Day Funding In-House Capital Direct to Decision-Maker
24 HOUR
Approval
7-10 DAYS
Funding
UP TO 5 YEARS
IO Terms
$650M+
Funded
Loan Products

Programs at a Glance

Transparent terms across all our lending programs. No hidden fees, no surprises.

Hard Money Loans

For: Fix & flip, value-add, quick close

Rate
From 9.99%
Term
6-24 mo
LTV
Up to 75%
Min Loan
$100K
  • No prepayment penalty
  • Interest-only payments
  • Close in 7 days
Estimate Your Terms →

Bridge Financing

For: Acquisitions, refinance, time-sensitive deals

Rate
From 10.49%
Term
6-36 mo
LTV
Up to 70%
Min Loan
$250K
  • Cross-collateral allowed
  • Entity lending
  • Blanket loans available
Estimate Your Terms →

Construction Loans

For: Ground-up, major rehab, new development

Rate
From 11.49%
Term
12-24 mo
LTC
Up to 85%
Min Loan
$500K
  • Draw schedules
  • Experienced borrowers
  • Flexible structures
Estimate Your Terms →

Non-QM Lending NEW

For: Self-employed, bank statement, DSCR, foreign national

Rate
From 6.99%
Term
30yr Fixed/ARM
LTV
Up to 80%
Min Loan
$150K
  • Bank statement qualifying
  • No tax returns required
  • Investor cash flow (DSCR)
Estimate Your Terms →

Rental Property Loans

For: SFR, Condo, Townhouses, 2-4 units

Rate
From 9.99%
Term
12-60 mo
LTV
Up to 75%
Max Rate
12.99%
  • Long-term hold financing
  • Interest-only payments
  • Cash-out available
Estimate Your Terms →

Side-by-Side Comparison

All programs compared in one view. Numbers in JetBrains Mono for precision.

Product Rate Term Max LTV / LTC Min Loan Key Feature
Hard Money From 9.99% 6 – 24 mo 75% $100K Close in 7 days
Bridge From 10.49% 6 – 36 mo 70% $250K Cross-collateral
Construction From 11.49% 12 – 24 mo 85% LTC $500K Draw schedules
Non-QM From 6.99% 30 yr 80% $150K No tax returns
Rental Property 9.99 – 12.99% 12 – 60 mo 75% $100K Long-term hold
Flexible Lending

Others Say No, We Say Yes

We fund deals that traditional lenders and even other hard money shops turn down.

Foreign Nationals
Bankruptcy
RUSH FUNDING
Foreclosure Bailouts
Low Credit Scores
Rehab & Construction
Cross-Collateral
Entity & Trust Lending
Short Sale / REO
Leverage Options

Loan Programs Include Funds for

Flexible leverage structures to match your deal scenario.

80/80
80/100
90/100
95/100
100/100
Deal Scenario Estimator

See Your Terms in Seconds

No obligation. No personal info required. Just real numbers based on your deal scenario.

Estimated Rate
10.49%
Monthly Payment
$5,245
Origination Points
1.5 – 2 pts
Est. Close Time
7 – 10 days
*Estimates are for illustrative purposes only and do not constitute a loan commitment, pre-approval, or guarantee. Actual terms may vary based on credit, collateral, experience, and market conditions. All loans subject to underwriting approval. CA DRE #01860343, NMLS #362324.
Simple Process

From Application to Funding

Most deals close in under 10 days. Here's the timeline.

Day 1
Step 01

Submit Your Deal

Quick intake form. Share your scenario and we respond within hours — usually the same day.

Day 1–2
Step 02

Term Sheet Issued

Real terms, not estimates. You'll know your rate, leverage, and timeline before you commit.

Day 2–5
Step 03

Appraisal & Underwriting

In-house underwriting, appraisal coordination, title review. One team, one process.

Day 5–7
Step 04

Docs & Closing

Final loan documents prepared. Sign and record. No last-minute surprises.

Day 7+
Step 05

Funding

Capital wired. Deal closed. Your project is live. That's it — no red tape, no waiting.

Track Record

Recent Deals, Real Numbers

A sample of recent transactions showing our range, speed, and reliability. All data verified.

Location Type Amount LTV Close Time
Pasadena, CA Hard Money $1,450,000 72% 8 days
Long Beach, CA Bridge $2,100,000 68% 9 days
Glendale, CA Construction $3,800,000 65% 14 days
Riverside, CA Non-QM $875,000 75% 18 days
Santa Monica, CA Bridge $4,250,000 70% 7 days
The MOR Difference

Why Borrowers Choose MOR

Six things that set us apart from every other private lender in the market.

In-House Capital

We lend our own money. No waiting on third-party approvals, no loan committees. Faster decisions, guaranteed execution.

Direct Access to Sean

Work directly with the principal and decision-maker. Sean Morsi has personally overseen $650M+ in transactions.

No Prepay Penalties

Exit when your project is done. We don't penalize you for paying off early. Your timeline, your terms.

Flexible Structures

Cross-collateral, blanket loans, entity lending, interest reserves. We structure deals that make sense for your situation.

Experienced Team

1,700+ deals closed. 20 years in the business. We've seen every scenario and know how to get it done.

California Specialists

Based in Downtown LA. We know every submarket, every zip code, every nuance of California real estate lending.

FAQ

Common Borrower Questions

Straight answers. No legalese. If you don't see your question, call us directly.

We lend on single-family residences, multi-family properties (2-4 and 5+ units), mixed-use buildings, and select commercial properties throughout California. Our sweet spot is residential investment properties in the Greater Los Angeles area, but we consider deals statewide.
Our fastest closings are 7 days from term sheet acceptance for straightforward deals. Most hard money and bridge loans close in 7–14 days. Construction loans take 14–21 days, and Non-QM programs typically close in 21–30 days. We control the timeline because we lend our own capital.
For hard money and bridge loans, we focus primarily on the property and the deal economics rather than credit scores. We've funded borrowers with credit scores as low as 580. For Non-QM programs, minimum credit requirements start at 620 and vary by program.
Origination fees typically range from 1.5 to 2.5 points depending on loan size, complexity, and borrower experience. Higher loan amounts and experienced borrowers often qualify for lower points. All fees are disclosed upfront in your term sheet — no hidden costs.
Yes. We lend to LLCs, corporations, and trusts. Most of our borrowers hold investment properties in entities for liability protection. We can close in the entity name and will need standard organizational documents during underwriting.
Our primary market is California, but we selectively consider deals in Arizona, Nevada, Oregon, Washington, Texas, and Florida for experienced borrowers with strong deal economics. The vast majority of our portfolio is California-based.
No prepayment penalty on our hard money and bridge loan programs. You can pay off your loan at any time without additional cost. Some Non-QM programs may have a soft prepay on a case-by-case basis, which will always be disclosed upfront in your term sheet.
For hard money and bridge loans, we need a basic loan application, property address and photos, purchase contract or refinance details, and proof of borrower experience. No tax returns required. For Non-QM programs, documentation varies by qualification type (bank statement, DSCR, etc.). We'll tell you exactly what's needed after reviewing your scenario.

Ready to Fund Your Next Deal?

Get real terms from a real lender. Same-day response, no obligation.

Get Your Rate Call 877-667-1300