Go with North Coast Financial. http://www.northcoastfinancialinc.com/ They have been doing hard money loans in Southern California for over 30 years. Fast approvals and funding with very competitive rates.
We offer Private Money Financing through our Portfolio Division for individuals or corporations. The LTV is 65-70% and your credit scores are not considered. Typically the rates start at 10.49% fixed amortized over 30 years but due in 10 years. There are no pre-payment penalties and the loan can be paid off at any time. You will pay at least 3-4 points for your lender fees and we can close in 7 day with a R.E. Contract, Escrow Instructions, Preliminary Title Report. Appraisal are not usually required. Please contact me if you have any additional questions.