Land Loans in San Diego, California
Trinity Mortgage Fund specializes in land acquisition financing for San Diego's most promising development opportunities. We've funded $16.2 million in recent San Diego projects, including multi-family new construction and residential acquisitions, giving us deep insight into the local development landscape. Our land loans support developers acquiring entitled and near-entitled parcels throughout San Diego County, from urban infill opportunities in Downtown and North Park to subdivision lots in emerging neighborhoods.
$990K
Median Home Value
-0.0%
YoY Price Change
$22.2M+
Total Funded
11+
Deals Closed
Why Choose TMF for Land in San Diego?
Trinity Mortgage Fund specializes in land acquisition financing for San Diego's most promising development opportunities. We've funded $16.2 million in recent San Diego projects, including multi-family new construction and residential acquisitions, giving us deep insight into the local development landscape. Our land loans support developers acquiring entitled and near-entitled parcels throughout San Diego County, from urban infill opportunities in Downtown and North Park to subdivision lots in emerging neighborhoods.
Founded in 2016 and licensed under California DRE #02018057, TMF provides $1M-$20M land loans with up to 50% LTV and rates from 11.99%-13.99%. We close in 14-21 days, crucial for competitive land deals in San Diego's fast-moving market. Our loans can seamlessly transition to construction financing, providing a complete development capital solution. With offices in nearby Del Mar, we understand San Diego's unique zoning challenges, entitlement processes, and neighborhood dynamics that impact land values and development potential.
Land Loan Terms
Max LTV
Up to 50% LTV
Rate Range
11.99% - 13.99%
Term
6-18 months
Min Loan
$1M
Max Loan
$10M
Closing Time
14-21 days
Recent Deals in San Diego
View All San Diego Deals
Summit Crest Circle
Residential Acquisition
$3,771,000
5811 Box Canyon Rd
Cash-Out Refinance
$2,500,000
722 Nantasket Ct
Single-Family New Construction
$3,850,000
Commerce
Bridge/Construction
$375,000
242 Playa Del Norte St
Multi-Family New Construction
$5,600,000
Mission Cliff
Fix and Flip
$1,060,000
San Diego Real Estate Market
San Diego's median home value of $990,000 reflects sustained demand despite a recent 3.4% year-over-year decline, creating opportunities for developers to acquire land at more favorable pricing while long-term fundamentals remain strong. The city's limited developable land supply, particularly in desirable neighborhoods like Hillcrest, Mission Hills, and Bankers Hill, makes entitled parcels increasingly valuable for residential and mixed-use projects.
Urban infill development has become particularly attractive in neighborhoods like Normal Heights and Kensington, where proximity to downtown and established amenities support higher density residential projects. San Diego's streamlined ADU regulations and ongoing housing initiatives create additional development opportunities for landowners with properly entitled parcels, making acquisition financing critical for developers looking to capitalize on these policy changes.
Neighborhoods We Serve in San Diego
Land in San Diego: Frequently Asked Questions
What loan amounts does TMF provide for San Diego land purchases?
Trinity Mortgage Fund provides land loans from $1 million to $20 million in San Diego, with recent funded deals including a $5.6 million multi-family new construction project and a $3.9 million single-family development.
How quickly can TMF close on entitled land in San Diego?
We close land loans in 14-21 days, essential for competitive situations in San Diego where entitled parcels often receive multiple offers and require fast execution to secure the deal.
What LTV does TMF offer on land loans in San Diego County?
Trinity Mortgage Fund provides up to 50% loan-to-value on entitled and near-entitled land parcels throughout San Diego County, with rates ranging from 11.99% to 13.99% based on the specific property and borrower profile.
Which San Diego neighborhoods does TMF finance land acquisitions in?
We finance land deals throughout San Diego including Downtown, North Park, Hillcrest, Normal Heights, Kensington, Mission Hills, and Bankers Hill, focusing on areas with strong development fundamentals and proper entitlements.
Can TMF's land loans convert to construction financing in San Diego?
Yes, our land loans can transition seamlessly to construction financing, providing continuity for developers moving from land acquisition through project completion. We've funded construction projects ranging from $400,000 bridge loans to $5.6 million multi-family developments in San Diego.
What loan terms does TMF offer for San Diego land acquisitions?
Our land loans feature 6-18 month terms with rates from 11.99%-13.99%, designed to provide sufficient time for developers to finalize construction plans and secure permanent financing while maintaining competitive pricing in San Diego's market.
Other Loan Types in San Diego
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