$815,000 Acquisition in National City, CA
Desirable Retail Acquisition in National City, CA Funded by a California Hard Money Loan
Loan Amount: $815,000
Loan Term: 12 Months
LTV: under 60%
Lien Position: 1st Deed of Trust
$815,000 Loan Closed on a well-located two-unit Retail building
Rubicon Mortgage Fund, LLC recently closed a California hard money loan to finance the acquisition of a well-located retail property in National City, California. The $815,000 loan enabled an experienced borrower to secure a 2-unit, stand-alone building with strong long-term potential and exceptional visibility. This transaction exemplifies the kind of value-driven, thoughtfully underwritten deal Rubicon is known for across California.
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The Borrower: An Experienced Operator with Construction Expertise
The borrower, a successful business owner with multiple venturesâincluding a construction companyâidentified a compelling opportunity to acquire and improve a retail asset with a strong location advantage. With deep experience in commercial renovation, the borrower had a clear vision: occupy one of the units for their business operations and lease the second unit to generate rental income.
Rubicon recognized the strength of the borrowerâs background, along with their ability to execute a value-add strategy efficiently. Their knowledge of construction and small business operations allowed us to confidently provide a California hard money loan tailored to their investment timeline and needs.
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The Property: Visibility, Foot Traffic, and Long-Term Upside
This 0.33-acre property spans 7,250 square feet across two standalone retail buildings (approximately 4,000 and 3,250 sq. ft.). Its positioning offers outstanding visibility, with a prominent storefront facade and signage opportunities that make it ideal for high-impact branding. The site benefits from significant vehicular and pedestrian traffic, excellent proximity to downtown National City, and easy access to the 5 Freeway and downtown San Diego.
Zoned for flexible commercial use, the property accommodates a variety of business typesâwhether retail, restaurant, service-based, or office. The interior layout is highly customizable, providing the future owner or tenant the ability to tailor the space to fit evolving business needs.
In addition to its size and flexibility, the property is surrounded by strong local infrastructure and amenities, including restaurants, shops, and public transportationâcreating an ideal environment for customers and employees alike. Ample parking nearby further enhances accessibility.
With National City experiencing significant development and growth, this site holds strong long-term investment potential. The borrower plans to occupy one unit and lease out the other, creating dual revenue streams and a more stabilized asset. Rubicon Mortgage Fund, LLC recognized the upside in this well-located asset and closed the California hard money loan quickly to help the borrower capitalize on this timely opportunity.
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The Loan: Speed, Simplicity, and Flexibility
Rubicon funded this California hard money loan within just three weeks of initial contact. We understand that speed is often critical in commercial real estate, especially when dealing with business expansion or time-sensitive acquisitions.
The loan was structured to allow the borrower to quickly take ownership and begin immediate improvements. Upon completion of renovations and stabilization, the borrower plans to refinance with an SBA or conventional lenderâa clear and viable exit strategy that aligns with Rubiconâs underwriting standards.
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A Deal Referred by a Bank, Executed by Rubicon
This opportunity came to Rubicon through a bank referralâillustrating how California hard money lenders like Rubicon often complement traditional financing sources. While some properties may not meet standard bank lending criteria in their current condition or stage, Rubicon is able to evaluate the full picture, including borrower experience, market dynamics, and future value.
We specialize in stepping in when timing, complexity, or asset condition require a flexible and fast solution, often paving the way for permanent financing later.
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Why This California Hard Money Loan Worked
- Experienced Borrower: Strong track record in business and construction.
- High-Visibility Location: Near a major auto mall and key traffic corridors.
- Solid Fundamentals: 7,250 sq. ft. retail space on a 0.32-acre lot.
- Clear Plan: Renovate, occupy one unit, lease the other, then refinance.
- Fast Close: Funded in just three weeks, enabling timely acquisition.
Final Thoughts
Rubicon Mortgage Fund, LLC continues to be a leading provider of California hard money loans for commercial real estate investors and business owners seeking speed and flexibility. This National City retail acquisition highlights how Rubicon’s underwriting and relationship-driven approach help investors act quickly on value-add opportunities.
If youâre exploring a commercial acquisition or need fast, reliable capital in California, contact Rubicon to learn how our direct lending platform can support your investment goals.
info@rubiconfund.net | 925 â 283 – 8919
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