Your Capital, Optimized

Turn Real Estate Opportunities Into Passive Income

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Sweat Equity

San Diego's Leader in Secured Real Estate Lending

At Sweat Equity, we connect sophisticated investors with premium real estate opportunities in San Diego's thriving renovation market.

Our strategic partnerships with seasoned renovators, combined with our deep local market knowledge, deliver exceptional monthly returns while enhancing community value. Through careful project selection and professional management, we've built a platform that transforms real estate opportunities into reliable monthly income.

Our Proven Process

From Property to Profit, Simplified

Source the Deal

Our expert renovators identify prime properties at 30% or more below market value, ensuring strong profit potential from day one.
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Secure Funding

After thorough vetting by Sweat Equity, the private lender transfers funds to the title company, initiating a secure purchase process.
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Transform Property

While renovators enhance the property's value through strategic improvements, you earn consistent monthly returns on your investment.
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Market Listing

The fully renovated property is priced competitively and positioned for optimal returns and a quick sale.
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Return Capital

Upon successful sale, your initial investment returns directly through escrow, maintaining complete transparency and security.
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Reinvest Growth

Partner with us on the next opportunity, leveraging our proven process to continue building your real estate portfolio.
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Our Competitive Edge

Strategic Benefits & Investment Advantages

At Sweat Equity, we’ve built our lending model around maximizing returns while minimizing risk. Our deep expertise in San Diego’s real estate market, combined with rigorous due diligence and transparent processes, ensures your investment is both secure and profitable.

We offer competitive interest rates, typically 10% to 15%. Compared to conventional lending, the yields on hard money loans are significantly higher. Plus, you’re in and out of deals quicker, which means you can reinvest your capital faster.

Each loan is secured by real estate with a conservative loan-to-value ratio, usually no more than 70%. Even in a default scenario, the underlying asset gives us multiple exit strategies, such as foreclosure, resale, or renting out, protecting your investment.

We have our finger on the pulse of the California real estate market. By carefully selecting properties in strong or emerging markets, we minimize risk and maximize the likelihood of successful exits. Our local expertise is to your advantage.

Our lending criteria are based on the asset's value rather than the borrower's creditworthiness. This flexibility allows investors to fund deals that traditional banks can't or won't touch, resulting in potentially higher returns.

As a hard money lender, I’ve got skin in the game. My success hinges on the profitability of the loans I extend, which aligns my interests with yours. We don’t just throw money at a deal; we conduct thorough due diligence, from appraisals to market comps, to ensure we’re backing a solid investment.

We maintain open lines of communication and provide regular reporting on each loan’s status. You’ll always know exactly where your investment stands, ensuring confidence in your portfolio's performance.

Our model allows for quick reinvestment. As loans mature or properties are sold, we swiftly recycle the capital into new deals, allowing you to compound your returns efficiently.
Frequently Asked Questions

Understanding Your Investment Journey

Learn about our secure lending process, investment terms, and how we structure deals to protect your capital while delivering consistent returns.

Still Have Questions?

Our team is here to help you navigate every aspect of real estate investment.

Private lending typically offers greater stability than many high-yield alternatives. While all investments carry some risk, private loans provide more stability than stocks because you can directly influence loan terms and have tangible collateral, which helps reduce the impact of market volatility.

Most loans average one year, though terms are adaptable based on project needs. You'll receive immediate interest payments throughout the loan term, with a balloon payment upon the property's sale. Some projects may require shorter or longer durations.

Each investment includes title insurance with you as the beneficiary, protecting against liens and title defects. We also provide comprehensive liability coverage to secure your investment against property damage.

While we typically prefer individual investors for each flip, we do offer co-investment opportunities. This provides more flexibility and allows investors to participate in projects at different investment levels.

Yes, you can leverage both tax-deferred and tax-free retirement accounts (like a Roth IRA) for investing. For IRAs, you'll need to opt for self-direction and transfer funds to a custodian like Equity Trust. If you have a 401(k), you can roll it over to a custodian after employment changes and use these funds to issue private loans, giving you greater control over your investment future.

We've streamlined the process completely. A title company manages all transactions and closing processes, while FCI Lender Services, Inc., a leading national servicer of non-QM and Private Money, handles all loan servicing. This ensures both transparency and efficient management of your investment.

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