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Over 50 years of direct private lending experience.
Proudly lending in and all of California.
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Hard Money Lenders –

Welcome to Lantzman Lending, your go-to hard money lenders for California & ! Real estate investors need an experienced partner for quick and reliable capital. Lantzman Lending prides itself in being able to provide financing to a wide variety of real estate investors by creatively tailoring loan programs to your needs.  As a direct lender, we have the flexibility to accommodate most scenarios with the intent of ensuring the success of the borrower. Private loan rates starting at 8% and as little as 3 day turn around time. When time is of the essence to lock down a deal, give us a call and we’ll get to work on your loan.

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Fix & Flip Loans

A Fix and Flip loan is a short-term, asset-based loan that helps investors acquire, renovate, and sell properties for a profit.

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Business Purpose Loans

We offer Owner and Non Owner Occupied Business Purpose Loans. Short term 1st and 2nd mortgages (1-3 yrs)

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Trust Loans

A Trust Loan is a short-term, asset-based loan that helps trust, estate, or their heirs refinance or a purchase property.

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Commercial Bridge Loans

A short-term, asset-based loan to stabilize a commercial property or pull out cash. To help you bridge the gap until permanent financing.

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Renovation Loans

A Renovation Loan is a short-term, asset based loan for construction funds. Includes renovations or mid construction.

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Hard Money 2nd Mortgages

A Hard Money 2nd Mortgage is a short-term, asset-based loan that is a subject to a current 1st lien. Owner and Non Owner Occupied…

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DSCR Loans

A DSCR loan is a 30 year mortgage designed for real estate investors that looking only at the rent amounts for qualification.

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Residential Bridge Loans

Residential Bridge Loans are short term loans on residential rental, vacant, or investment properties

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Why Lantzman Lending?

Direct lender means
no middleman

Same day approvals

No junk fees

Loans in as
little as 48 hours

Over 50 years’
combined expertise
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Our Team

Marc Lantzman

MARC LANTZMAN

Director

Marc Lantzman is the Director of Lantzman Lending. He’s been actively engaged in real estate acquisitions, private mortgage lending and real estate development since 1980. Marc has developed projects in California, Nevada, Washington, Oregon and Arizona, including apartment buildings, shopping centers, motor home parks, in-fill housing projects and single residential sub- divisions. He attended Kent State University, majoring in business and education.

JUSTIN LANTZMAN

JUSTIN LANTZMAN

President

Justin Lantzman is President of Lantzman Lending. He’s been involved in real estate investment and management since 2001 and has been a licensed real estate broker with the California Department of Real Estate since January 2006. Justin has specialized experience in mortgage fund management and investor relations, loan underwriting and processing, property valuation, loan document preparation, and compliance. He attended the University of Colorado at Boulder prior to transferring to the University of California at San Diego, where he received his B.A.

Joel

JOEL ARMSTRONG

Vice President

Joel Armstrong Vice President of Lantzman Lending. He has been involved in real estate finance, brokerage, investment and development since 2001. He received his B.A. in Business Adminstration from the University of San Diego. He has a firm understanding of the private finance arena, a strong network of borrowers and an ethical approach to the lending industry. In addition to California, Joel is also licensed as a Mortgage Agent in the State of Nevada. NMLS ID 383660



Lantzman Lending Reviews place picture
Lantzman Lending Reviews
4.9
Based on 47 reviews
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wk geng profile picture
wk geng
18:08 15 Jan 26
Thanks Dominic, he works really helpful and effecient. Nice to met them.
Angela Merlo-Rains profile picture
Angela Merlo-Rains
22:48 13 Jan 26
They helped us acquire an inherited property that was already in foreclosure — not a simple deal — and structured a hard money loan that actually set us up to succeed. They moved quickly, communicated clearly, and walked us through every step of the process. They also provided a rehab budget and withheld funds to cover loan payments, which removed a huge amount of stress and allowed us to focus on execution.

The terms were fair, transparent, and not sketchy — which is rare in this space.

We’ve been working with a lot of lenders lately as we grow our real estate portfolio, and it’s usually an exhausting experience. Overpromising, underdelivering, bait-and-switch tactics, poor communication — you name it. To the point where we joke that “all lenders are liars.”

Lantzman Lending was the complete opposite. Professional, honest, efficient, and truly aligned with our success. That combination is incredibly hard to find.

If you’re an investor looking for a lender who actually does what they say they’re going to do, and does it well — Lantzman Lending is one of the very few I would confidently recommend.
flor Zarate profile picture
flor Zarate
23:08 12 Jan 26
Lantzman Lending has been our go-to for hard money loans time and time again. They’re responsive, professional, and always close on time—something every realtor values. Highly recommend if you’re looking for a reliable hard money lender.
Shahob A. profile picture
Shahob A.
23:11 29 Oct 25
Pleasure to work with. Fast and reliable and they don't go looking for the money like so many other hard money lenders.
Debora Jett profile picture
Debora Jett
03:22 18 Oct 25
I contacted Lantzman Lending and was lucky that Daniel Rosenberg called me back. He was such a pleasure to work with. He was always very timely in responding back to me and was very professional. I definitely would recommend this Company to all of my family and friends. Thank you so very much Daniel for everything in making this Hard Money Loan so seamless.
Howard Katz profile picture
Howard Katz
19:13 29 Aug 25
We had to close on a a time sensitive real estate acquisition to buy a highly discounted property. My bank of thirty years stated no problem but they would take 6-8 weeks. The other hard lenders like Lima promised quick turnaround but then had zero respect for my time, experience and financial net worth. (I have not been messed around by a lender that much in 40 years).
I contacted Landzman. After a few hours they gave me the thumbs up that I could put in the offer. Deal done. Thanks Landzman
Marco Chavez profile picture
Marco Chavez
01:57 04 Jun 25
Thank you Dominic Thompson for your assistance on our loan with Lantzman Lending. Your attentiveness and communication made the loan process seamless . I highly recommend you and Lantzman Lending for any future home loans and look forward to working with you again in the near future. Thank you for all you did, as it did not go unnoticed.
Properties 24 LLC profile picture
Properties 24 LLC
21:22 23 May 25
On behalf of our company Properties 24 LLC, I recommend them if you are looking for loans for your fix and flips project. They are your best option. They have already financed 6 projects for us and they are very quick to give you the loans and very friendly.
Mai Yang profile picture
Mai Yang
04:21 21 May 25
Their whole team was professional and personable. They were quick to respond, explaining and addressing any of my concerns. They explained strategies and let me do what's right for me. Their expertise and efficiency gave me the competitive edge to close on two properties. I'm looking forward to many more transactions with them.
Khalief Brown profile picture
Khalief Brown
18:30 01 May 25
My experience with Lantzman Lending was super smooth. Their entire team is attentive, they all communicated well throughout the entire process and we got the loan funded very quickly. I'd definitely recommend them and look forward to working with them again.



FAQs

General

ARE YOU A DIRECT LENDER?

Yes, we are a direct lender, which simply means that the money we fund our loans with is our own and is readily available. Some lenders have to raise money to fund their loans or have to go out and find a direct lender to fund their loans because they don’t have the money to fund the loans themselves.

DO I NEED TO PROVIDE ALL MY DOCUMENTATION REGARDING INCOME, BILLS, ETC.?

Most of our approvals do not require income verification.   You will typically only need to provide minimum documentation to obtain the loan. The vast majority of our borrowers are only required to fill out our one page application and supply a recent credit report.

DO YOU FUND AUCTION PURCHASES?

Yes we do! It’s best to submit a loan application before you go to the auction to make sure your thought process for determining property value is in line with Lantzman Lending’s and that you have a pre-approval letter in hand. Auctions such as REDC, Auction.com, and Williams & Williams should not be confused with the trustee sale. Every auction company is a little different, and you will need to find out what each individual auction company requires. Requirements and procedures, including deposits, working with Brokers/Realtors, and percentage at closing, can change from auction to auction and even within the same company. Always read the website or auction catalog before attending. Most auctions will require a deposit in the form of a cashier’s check ($2,500-$5,000) to bid. If you are the winning bidder, you will be required to put up money up to 5% of the purchase price. Again, this will vary per auction and will vary depending on the number of properties you purchase. You will be responsible for the deposit to bid at auction and the down payment at the auction. Once you have purchased, typically you will have 30 days to close the transaction. Lantzman Lending can perform much faster than required in this scenario.

DO YOU FUND TRUSTEE SALES?

Lantzman Lending does fund trustee sale purchases by way of refinance. Lantzman Lending does not give investors money to purchase at the trustee sale. Instead, once an investor is the winning bidder on a property at the trustee sale, the investor should submit a loan application immediately. This allows us to open escrow so when the trustee’s deed is obtained by the investor, funding happens within a few business days.

HOW DO I GET QUALIFIED FOR A HARD MONEY LOAN WITH LANTZMAN LENDING?

Click on apply and fill out the required information. You will get a response within 24 hours from submittal or contact us directly to discuss your scenario.

HOW LONG DOES IT TAKE TO CLOSE THE LOAN?

Our average closing is 5 to 7 business days. However, if we have all the documentation we can close in as little as 3 days. Each transaction is handled on a case by case scenario. If there is a special requirement, we may be able to accommodate you.

WHAT IF I HAVE A BAD CREDIT SCORE?

If you have a low credit score, Lantzman Lending may still fund your loan. Our primary funding criteria is based on the equity in the real estate.

WHAT IF I HAVE A FORECLOSURE ON MY RECORD?

Much like credit score issues, your foreclosure record alone will not dictate your application approval. The number one reason people are denied is lack of equity in the real estate.

WHAT IS A HARD MONEY LOAN?

Hard money (also known as a rehab loan or bridge loan) is the term used for loans funded by private parties who want a safe and high return. Lantzman Lending is a mortgage loan originator who arranges loans for private investors. We work directly with property buying investors who use these funds to purchase properties with the intent to fix and sell them for a profit or stabilize and refinance with conventional financing. Real estate investors use hard money when they are unable to or do not have time to obtain financing from more conventional sources. There are many types of hard money loans. Lantzman Lending specializes in first trust deeds to investors who purchase residential and commercial property.

WHAT IS LANTZMAN LENDING LOOKING FOR WHEN CONSIDERING MY APPLICATION?

We will primarily review the collateral to the loan. The strength of the deal is the main determining factor in the loan underwriting. However, we also review your ability to repay, credit-to-debt ratio, cash reserves, and your experience level.

WHAT STATES DO YOU FUND IN?

We provide hard money loans Nationwide. We are licensed for California, Nevada, and Idaho.  Loans made or arranged outside of California or Nevada must be represented by a Mortgage Broker qualified to do business in that State.

Loans arranged under the authority of our CFL license will be made pursuant to a California Financing Law License

WILL YOU ROLL COSTS INTO YOUR LOAN?

Lantzman Lending will finance repairs, loan costs, and payment reserves into the loan if the loan to value (LTV) remains below our product maximums . It is our goal to make both the private lender and borrower successful in every transaction. Our reputation of accomplishing this goal has allowed to continually grow, even in tough markets.

 

 

858-720-0229

11696 Sorrento Valley Rd, Suite 201
San Diego, CA 92121
*CA-DBO CFL #603-e104 | CA-BRE #01522724
NMLS# 296471

*Loans arranged under the authority of our CFL license will be made pursuant to a California Financing Law License

6671 S. Las Vegas Blvd., Suite 210, Office 201
Las Vegas, NV 89119
Nevada MLD License # 4615 | NMLS 1578116

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