Encinitas, CA. 6/2025. 

We were contacted by a repeat borrower for a line of credit loan for a property in the coastal community of Encinitas.  Our borrower transformed a single residence into a pair of highly functional living spaces—all at a conservative 62% CLTV. The primary structure was renovated into a stylish four-bedroom, three-bath home, while a new detached two-bedroom, two-bath unit was added to the property.

Today, the second unit operates as a thriving childcare center—an adaptive reuse that not only generates strong monthly income for our borrower but also meets a critical need in the local community. This project exemplifies our strategy: identifying well-collateralized opportunities that deliver both financial performance and practical value.

San Diego, CA. December 2018. 

A broker that The Loan Company has previously worked with, referred a real estate investor to The Loan Company.  The investor had the opportunity to purchase a Single-Family 1850 sq. ft property. The borrower needed to close quickly and could not risk delaying escrow with a conventional lender.

The purchase price was $1,250,000. The Loan Company provided a 1st Trust Deed loan commitment of $675,000 or 75% of the purchase price. The property was being professionally managed and generated gross monthly rental income of $6,600/mo.

The exit strategy is to refinance with a conventional lender within 12 months. The Loan Company provided the borrower an excellent short-term bridge loan at a competitive private money rate and terms.