La Costa Loans is a Carlsbad, California Hard Money Lender. They offer borrowers loans for purchases, short sales, REOs and cash out refinancing for single-family homes, apartments, condominiums and commercial properties.

They offer 65% LTV, no prepayment penalties, fund control, 14-day funding period, interest rates between 10% to 14%, 12 to 24 month terms, first trust deeds, 15% cash equity and no up front charges. Additionally borrowers only need to provide a signed LOI, purchase contract, rehabilitation list, Preliminary Title, non-owner occupied form, credit report, 1003 loan application, site visit, exit strategy, proof of insurance and highlights of the property.