Hard money · Cabo San Lucas / Los Cabos
Mexican banks will not. We will. Hard money — a money loan in Cabo, private funding in Cabo San Lucas and Los Cabos. Sixteen percent. Collateral has to be twice the asked loan. And at least a million. Buy the house. Build the house. Same terms.
The problem
It is very hard for a non-resident to get a loan in Cabo San Lucas — to buy a house, or to build one. Mexican banks generally will not fund foreigners. Cash is the default. That is the gap a Cabo loan is supposed to fill.
You can find the lot. You can find the house. Then you need capital a bank will not put on a non-resident. Money Loan Cabo is hard money for the purchase, and for the build.
The offer
One product. Hard money / private funding in Cabo San Lucas and Los Cabos. Two uses: buy a house in Cabo, or build one. Same terms either way. For foreigners — primarily US and Canada — who already know the banks will not do this.
Not a payday shop. Not a rate card with twelve flavors. Not crypto. Collateral-backed capital so the purchase closes, or the house actually goes up.
The lender
Yes. That is the product. Money Loan Cabo is hard money for foreigners — primarily US and Canada — who want to buy a house in Cabo, or build one. Mexican banks generally will not. We will. Subject to collateral review.
You can find a lot of writing about how financing works in Cabo. This is not another explainer. This is the loan: private capital, on the collateral, in Cabo San Lucas and Los Cabos.
A non-resident does not fit a Mexican bank’s box. No local payroll. No typical mortgage path. Cash is the default. That is why foreigners hunting a loan in Cabo keep landing on blogs instead of a lender. We are the lender.
Hard money. Private capital, collateral-backed — not a bank mortgage, not a consumer home-loan product. Interest is 16%. Collateral has to be twice the asked loan. Minimum collateral is $1,000,000 USD. Buy or build. Same terms.
That is the map. Pedregal. The Corridor. East Cape. San José. If the house is in Los Cabos, we can talk. If it is not, we are not the fit. One product. One place.
The terms
The numbers. Same for a purchase and for a construction. Everything else — structure, timing, how the collateral sits — we talk terms.
Interest
16%
The rate. We do not dress it up.
Minimum collateral
$1,000,000 USD
The floor. Real collateral. That is the least we look at.
Collateral vs loan
2×
Collateral has to be twice the asked loan. A $500k loan needs $1M collateral. Buy or build — same rule.
Use
Buy or build
Purchase a home in Cabo, or construct one. Same 16%. Same million floor. Same 2× collateral.
Where
Los Cabos
Cabo San Lucas and Los Cabos. That is the map.
How it works
Private funding in Los Cabos. Tell us the house. We look at collateral. Then we talk terms. Same path for a purchase and for a construction.
01
What you are buying or building. The form on this page is enough to start a conversation.
02
We look at what stands behind the funding. Collateral has to be twice the asked loan. And at least a million. A $500k loan needs $1M collateral. If that is not there, we say so.
03
Interest is 16%. Collateral is double the asked loan, minimum one million. Same whether you buy or build. The rest is a conversation — not a PDF of invented points or term lengths.
04
Private capital for the purchase, or for the construction. You buy the house, or you build it. That is the use.
Villa del León, Pedregal, under construction
Buy the house. Build the house. We fund both.
Cabo San Lucas. Los Cabos. Private funding in Los Cabos for foreigners who came here to buy or build the house, not wait on a bank that will never say yes.
Who it’s for
Questions
Can I get a loan in Cabo as a foreigner? Why banks usually will not. Hard money versus a bank mortgage? Buy and build? Why 16%? Why 2× collateral? Why a $1M minimum? The terms are the terms. No invented licenses. No fake reviews.
Yes. We fund foreigners to buy or build in Cabo San Lucas / Los Cabos. Mexican banks generally will not lend to non-residents. We will. Hard money. Private funding. Subject to collateral review. Sixteen percent. Collateral twice the asked loan. Minimum $1,000,000 USD.
A non-resident generally does not fit a Mexican bank’s box. No local payroll. No typical bank mortgage path. Cash is the default for foreigners buying or building in Cabo San Lucas. That is the gap a money loan in Cabo is supposed to fill.
A bank mortgage is generally not available to foreigners buying or building in Cabo. A money loan Cabo here is hard money: private capital, collateral-backed, outside a bank’s product. Interest is 16%. Collateral must be twice the asked loan. Minimum collateral is $1,000,000 USD. Buy or build. Same terms. Not a bank. Not a consumer rate card.
Both. Financing to buy a house in Cabo, and a Cabo construction loan for foreigners who want to build. Same terms either way: 16% interest, collateral twice the asked loan, and at least $1,000,000 USD. We do not split this into two products or two rate cards.
Because this is private capital for a purchase or a build Mexican banks will not take on for non-residents. Sixteen percent is the rate — for a buy, and for a build. We will talk the rest of the terms when we see the collateral.
Collateral has to be twice the asked loan. A $500k loan needs $1,000,000 USD in collateral. Ask for more than $500k and the collateral has to scale with it — double the loan, never under a million. Same 2× rule for a purchase and for a construction.
This is not a small personal loan. The floor on a money loan in Cabo is one million US dollars in collateral, whether you are buying or building. If the lot or property cannot support that, we are not the fit.
Yes. Private funding in Los Cabos — Cabo San Lucas and the rest of Los Cabos. That is the map. Buy or build. Foreigners. Same terms.
Request funding
Name, email, phone if you want, and what you’re buying or building. Submit and it is emailed to us. We review collateral. Then we talk terms.