Meet The Team

Patrick Hook, Broker-Associate

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From the Blog

What You Need to Know About Hard Money Loans

Is there something you are wanting to do, but you don't have the money for it? You want to update your kitchen. Maybe you want to build an extension on your...

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The Pros And Cons Of a Hard Money Business Loan

There's no shortage of individuals or organizations that are willing to lend money to your business, no matter what your qualifications may be. These can be...

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How The Rise of Private Money Lending Is Changing the Mortgage Market

Year after year, the mortgage market is constantly changing. Thanks to technology, younger buyers, and a few other outside aspects, the market is going...

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Partner with Maggio Capital – a proven and trusted Los Angeles, CA hard money lender – and open up new opportunities to achieve your financial goals.

We are bringing personal relationships back to the hard money lending business. We move fast and close more deals because we create confidence in every partnership.

"For the past decade, Maggio Capital has provided very competitive financing solutions with unparalleled customer service. Our reputation speaks for itself and we appreciate the opportunity to help people."

–Carl Maggio, Founder

Equity-Based Residential & Commercial Real Estate Loans in California

Maggio Capital is a Los Angeles hard money lender. We make stated income, equity-based loans for borrowers who can’t qualify for a bank loan or who simply need capital quickly. Approval requirements are based on equity in a residential or commercial property in California and the purpose for the loan. We specialize in 1st and 2nd position loans from $31,000 to $5,000,000 for up to 5 years.

Accredited investors benefit from the unique real estate investment opportunities we create.

Maggio Capital provides alternative financing solutions for borrowers who can’t get traditional financing or for those who need to close quickly

Los Angeles Hard Money Loans

  • No Credit Score Requirements
  • No Income Requirements
  • No Bank Statements
  • No Tax Returns
  • No Debt to Income Requirements
  • Very Competitive Rates
  • Self-Employed Borrowers
  • Individuals, Trusts, Entities
  • Short Sale or Foreclosure

Why Choose Maggio Capital for Your Hard Money Loan?


We are an accredited business with the Better Business Bureau since 2012 and carry an A+ rating.

5 Star Reviews

Maggio Capital carries a 5 Star Google rating from borrowers, real estate professionals, investors, etc.

Customer Service

We pride ourselves on unparalleled customer service and maintain a 5 Star Yelp rating.

Dept. of Real Estate

Maggio Capital is licensed by the California Department of Real Estate, Broker License #01883341.

Featured Transaction

Santa Monica, CA

Loan Amount: $700,000
Lien Position: 1st
Loan Type: Refinance
Property Type: Owner-Occupied SFR

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How does a real estate investor qualify for a hard money loan in Los Angeles?

Hard money loans are very useful for real estate investors in Los Angeles and throughout California. Typically, private money lending is utilized by investors who are either purchasing or refinancing a property that has too much deferred maintenance or is uninhabitable. Perhaps they have some past credit issues that the bank underwriters can’t overlook, or they may simply need to close on a deal in a time frame that is unrealistic for traditional financing. Whatever the circumstances may be, most hard money lenders utilize the “make sense” underwriting approach and focus primarily on the asset, not the borrower’s income or credit history.

To obtain a hard money loan you will need equity in a residential or commercial property, a business purpose nature to the transaction, and a realistic exit strategy. Most hard money lenders require that the borrower have at least 25% protective equity in the property. When a borrower has significant “skin in the game” or protective equity, it is less likely that he or she will walk from the project or property in the event of a market downturn, project cost overruns, etc.

Private Hard Money Lending Experts

Business purpose loans are typically defined as either a loan to acquire, maintain, or improve rental property, or working capital for an existing business. A business purpose loan is not for personal, family or household use, and is thus much easier to qualify for when compared to consumer purpose loans. Realistic exit strategies can include the sale of the subject property or another property in the borrower’s portfolio, a bank refinance after the property is stabilized and generating rental income, a cash infusion, etc.

Although any LA hard money lender will have higher interest rates than traditional mortgages, they also have many advantages. First and foremost, the “hard money” lending industry has undergone fundamental changes in the last few years, with the industry becoming more mainstream. Private loans are simply much more cost effective than they have ever been, and obtaining a hard money loan can be much cheaper than taking on an equity partner.

Another significant advantage to taking out a hard money loan is speed. Most hard money lenders can typically underwrite and fund a loan in a matter of days, not weeks or months. Furthermore, the documentation required for qualifying purposes is minimal in comparison to banks.

Also, if a borrower has had a recent foreclosure, a bankruptcy, bad credit, late payments, etc., but has equity in a property, a hard money lender could be an option. Hard money lenders essentially allow non-bankable borrowers access to purchase money financing for real estate investments or access to cash from the equity in their property that would otherwise likely not be accessible.

Get Approved for Your Loan Today!

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Contact Us

12526 High Bluff Drive, Suite #300
San Diego, CA 92130

Main Office:
832 Camino Del Mar, Suite #3
Del Mar, CA 92014

California Department of Real Estate
Real Estate Broker,
Broker License #01883341,
NMLS #308757

NMLS Consumer Access

Maggio Capital, Inc., is based in San Diego, California. We originate, underwrite and facilitate non-traditional mortgages on residential and commercial properties throughout California.

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