Insights from SO-CAL Capital

Private money lending explained: how it works, how it compares to hard money and bank financing, and when it's the right fit for your next deal.

A trust deed, also called a deed of trust, is the document that secures a real estate loan against a property in California. It is what gives a lender the right to recover the property if the loan is not...

Hard money loan rates in California typically range from about 9.5% to 12% for a first-position (1st trust deed) loan and roughly 11% to 14% for a second-position (2nd trust deed) loan in 2026, plus 1.5 points if you qualify for our program.

OPM stands for "other people's money." In real estate, it refers to using financing, partner capital, or private lending instead of paying entirely out of your own pocket to buy or invest in property. Almost...