Commerce Hard Money Loans

Hard Money Loans in Commerce

Buying a Commerce property to renovate, rent or resell is a business decision, and the financing differs from a regular home loan. Jay Romero helps investors connect with private lenders for non-owner-occupied real estate in the Southeast LA County (Gateway Cities) area. The I-5 and I-710 freeways cross the city, and housing makes up a relatively small share of land.

Common Investor Projects

Typical business-purpose uses include: Fix-and-flip loans for the purchase and sometimes the rehab. Buy-and-hold rentals that may later move to longer-term financing. Bridge loans to buy before another property sells. Ground-up construction or major additions on investment lots. In Commerce, residential investment property sits near commercial and industrial areas, which can affect resale and rental plans.

How Asset-Based Lending Works

With private money, the property secures the loan, and the lender wants a clear plan to repay within a short term, often by a sale or refinance. Rehab funds, if offered, are paid in draws. We also serve investors in Bell, Bell Gardens and Maywood.

Start a Conversation About Your Project

Send us a text with the property city and what you plan to do, or call or text Jay at (949) 822-8702. Please mention Hard Money Page – Commerce so we know which page you saw. Looking for property? See Commerce Homes for Sale.

Common Questions

Can repair costs be financed?
Some private loans include rehab funds paid out in draws as work is done. It depends on the lender and the project.

Can the loan be made to my LLC?
Many private lenders lend to LLCs and other entities. Ask your attorney or tax advisor how to hold title.

Private, business-purpose loans for non-owner-occupied real estate only, not for a home you will live in. Funded by third-party private lenders or investors, not by Miamar Realty. They usually cost more than bank loans and may end in a balloon payment. If you cannot sell or refinance in time, you could lose the property. This is not a commitment to lend. All loans are subject to lender approval, property review and underwriting, and not all applicants qualify. If Jay is also your agent, he may be paid in both roles. You may use any lender. Jay Romero, DRE 01343079, Miamar Realty. Real estate broker, California Department of Real Estate. Equal Housing Opportunity.

Keep Exploring

• Sell Your Home in Commerce
• Los Angeles County city guides
• Selling with Miamar Realty