Socotra Daly City

Daly City and Surrounding Communities

Equity-Based Private Money Loans for Daly City Area Residential & Commercial Transactions


Welcome to Socotra Capital, the top direct hard money lender for Daly City real estate.  As a local private money lender, we work directly with individuals and corporations to buy or refinance real estate by providing equity-based lending when conventional funding is not an option.  We originate, underwrite, and fund all of our transactions.

At Socotra Capital we fund a wide variety of real estate transactions, such as:

  • REO and short sale transactions
  • Fix and flip loans
  • Commercial rehab loans
  • Residential rehab loans
  • Bridge loans
  • Ground up construction

We will also consider a hard money loan for any other real property projects that require a lender that is professional, reliable, and focused on providing high quality service. If it’s real estate, we move quickly to meet your needs.

We serve the needs of local investors across the Daly City metro area, including South San Francisco, Brisbane, Colma, and Crocker.

At Socotra Capital, we want to be your partner.  Your success is our success.

Get Started on a Hard Money Loan Today!


Socotra Capital—the Daly City Area’s Expert Hard Money Lender

There are myriad reasons why conventional funding may not be appropriate or available when you are looking to finance a piece of Daly City property, and we are very flexible when working with our clients.  Our hard moneyunderwriting guidelines for real property in Daly City focus on equity, not borrower credit.  We have accepted borrowers in Daly City with low credit scores, prior bankruptcies, and foreclosures. If a bank turns you down, Socotra Capital is ready as your hard money lender, to respond quickly and efficiently to meet your needs for the acquisition and financing of Daly City area real property.Daly City Hard Money Loans

We appreciate the need for rapid access to funds—with our streamlined process we can often provide you with same-day prequalification for a hard money loan.  Please complete our Loan Interest Short Form to get started.

For borrowers looking to flip distressed residential properties for resale in Daly City, our short-term Fix and Flip Program allows you to borrow up to 75% of your total project costs, including purchase price of the property and the cost of rehab. This is one of our most popular residential hard money lending programs in Daly City.

Our Residential Hard Money Loan Parameters for Daly City Real Estate:

  • Up to 75% of Costs–including Purchase and Rehab
  • Up to 65% Loan-to-Value
  • Loan Amounts of from $30,000 to $5,000,000
  • No limit on the number of properties
  • Loans to Individuals, Trusts, and LLCs

Private Money Lending for Daly City Commercial Property

At Socotra Capital, we have been a private money lender providing bridge loans on commercial properties throughout the Daly City area since 2007.  For purchases of distressed properties that need to close ALL CASH, we provide hard money loans on all types of commercial property.Daly City Fix and Flip Loans

If for any reason you do not qualify for a traditional commercial mortgage loan on your existing property, we can help you with a bridge loan to get you through a difficult time until you turn your business around.

Socotra Capital is the private money lender of choice for business owners looking to refinance, get cash out, or have the free and clear property that they need to get money to pay a college tuition bill for one of their children.  We understand and appreciate our clients who are small business owners in Daly City, since we are one also.

Our Commercial Private Money Loan Parameters for Daly City Properties

  • Property Types— Office, Retail, Apartment complexes (6+ units), Shopping Centers, Industrial, Restaurants, Mixed-use, Finished Lots, Automotive, Hotel, Ground Up Construction, Gas Stations, Agricultural Land, and Specialty properties such as Cold Storage Facilities, Churches, Wineries, and Horse Ranches to name a few.
  • Loan Amounts–$30,000 – $6,000,000
  • Term–6 months to 10 years–interest only, and either partially amortized or fully amortized loans a

 When is a hard money loan appropriate

There are a variety of situations that might cause an individual, corporation, or estate in Daly City to work with a hard money lender.  Some examples of when a hard money loan might be the right solution include:

  1. You are buying Daly City residential or commercial real estate for investment purposes to take advantage of the market.
  2. The property is an REO, a foreclosure, or a short sale and does not qualify for an FHA or other conventional financing.
  3. You want leverage for both the purchase and the rehab of the project or property, which we lend up to 75% of those two numbers.
  4. If you own a property free and clear or have equity but you cannot get additional money out, the loan is due, or the line of credit is no longer available.
  5. Your loan is no longer compliant such as an SBA loan parameter you no longer meet.
  6. Your credit score or income is not high enough to qualify for a traditional loan.
  7. You need funds more quickly than it takes with a conventional loan.
  8. The real estate in question does not qualify for an FHA or other conventional loan because it requires renovation or repair.
  9. Your cash needs are short term.
  10. If you come up short or made an offer ALL CASH, use our HARD MONEY – WE ARE AS GOOD AS CASH.

If you are a real estate investor in Daly City taking advantage of this great buying opportunity, you’ll likely use hard money loans to secure the financing you need since most offers will be either ALL CASH or need to close too quickly for conventional financing.  The cost of a hard money loan with Socotra Capital is a fraction of the profit made when buying correctly.  Our underwriting and review process ensure you are successful.

We are more than a hard money lender—we are your partner in the project.  We want everyone to walk away happy, hoping you will make your next loan with Socotra Capital.  We are only private money lenders and will never compete against you in a purchase.  We are Hard Money Lenders – that is what we do.

If you are a Daly City business owner that has equity in your real property or an investor in commercial real estate but cannot get a loan, we offer bridge loans and private money options that can be tailored to your needs.  With our many different hard money solutions, we will get you the funding you need to meet a COD payment of new inventory you would normally use a line of credit for.  We can also help fund personal expenses from an unexpected health expense or a child now attending college.  Since we are an equity based private money lender, getting the cash injection need is either than you think.


As a hard money lender, it’s our job to get you the financing you need so you can focus on the success and health of your business, family or anything else that has affected your life that you need money for.   We are often times the only solution and we want to help.

Choosing the Right Hard Money Lender in Daly City

For your security and peace of mind, it is essential to find a hard money lender in Daly City you can trust.   A local private money source that has your best interest at heart and will treat you fairly and with respect.  We will ensure that you secure the best rate and terms possible on your private money loan, typically within 10 business days of a complete loan application.


We serve the needs of local investors across the Daly City metro area, including South San Francisco, Brisbane, Colma, and Crocker.

Daly City, CA

Daly City is the largest city in San Mateo County, California, United States, with a 2010 population of 101,123. Located immediately south of San Francisco, it is named in honor of businessman and landowner John Daly.

Neighborhoods of Daly City include Westlake, St. Francis Heights, Serramonte, Top of the Hill, Hillside, Crocker, Southern Hills, and Bayshore. Westlake is notable for its distinct architecture and for being among the earliest examples of a planned, large-tract suburb. Bayshore, the easternmost neighborhood of Daly City, was once an incorporated city, Bayshore City, until being annexed to Daly City in the mid-1960s. Several Daly City neighborhoods, such as Crocker, Southern Hills, and Bayshore, share a street grid and similar characteristics with adjacent San Francisco neighborhoods, such as Crocker-Amazon and Visitacion Valley.

Several neighborhoods associated with Daly City lie outside of its city limits. Broadmoor is an unincorporated area completely surrounded by Daly City. Colma is an incorporated town sandwiched between Daly City, South San Francisco, and San Bruno Mountain. These enclaves are in charge of their own police and fire services, but also share some services with Daly City.

For information on Daly City area history, geography, demographics, politics, economy, bike trails, education, infrastructure, and the arts, please visit City,_California


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