Hard Money and Bridge Loans for LA's Westside: Beverly Hills, Holmby Hills, Bel Air, Brentwood, Santa Monica, Venice, Pacific Palisades & Malibu
- Kevin Green
- 1 day ago
- 7 min read
Quick answer: Kevin Green is a California-licensed private money lender (CA DRE Broker #01241542, NMLS #1130752) funding hard money and bridge loans from $2M to $30M+ across LA's Westside — Beverly Hills, Holmby Hills, Bel Air, Brentwood, Santa Monica, Venice, Pacific Palisades, and Malibu — up to 65% LTV, closing in 10–21 days. Asset-based underwriting, no income documentation required. 25+ years underwriting California estate markets.
Table of Contents
Why Banks Fall Short on the Westside
How the Loan Process Works
Hard Money vs. Jumbo Loan on the Westside
Beverly Hills — Zip Code 90210
Holmby Hills — Zip Code 90024
Bel Air — Zip Code 90077
Brentwood — Zip Code 90049
Santa Monica — Zip Codes 90401–90405
Venice — Zip Code 90291
Pacific Palisades — Zip Code 90272
Malibu — Zip Code 90265
Loan Terms at a Glance
FAQ
Contact Kevin Green
Why Banks Fall Short on the Westside
Direct answer: Eight markets, three recurring bank failure points. Beverly Hills, Brentwood-adjacent Santa Monica pockets, and Venice can move fast enough that a 30–45 day jumbo timeline loses the deal outright. Bel Air, Brentwood, and Malibu move slower but the collateral itself is the obstacle — gated compounds, canyon lots, and coastal-review requirements with no clean comp set. Holmby Hills is a third problem entirely: it's one of LA's smallest, thinnest markets, and with so few annual sales, automated valuation models simply don't have enough data to price it reliably.
Across all eight, the pattern repeats: automated underwriting wants a W-2, a clean comp, and 30–45 days. Trophy Westside property rarely offers all three. Kevin Green underwrites the asset directly — equity, location, and exit — and funds in 10–21 days.
How the Loan Process Works
Direct answer: Kevin Green's Westside loans move through four stages — property and equity review, term sheet, underwriting and documentation, and closing — typically completing in 10 to 21 days from first call to funded loan, with no income verification at any stage.
Property and equity review (same day to 48 hours). Kevin Green evaluates the property directly — location, condition, comparable sales, existing equity — rather than running income or credit through an automated system.
Term sheet (24–48 hours). Loan amount, LTV, and structure are proposed based on the asset, not a debt-to-income ratio.
Underwriting and documentation (3–10 days). Title, escrow, and property-specific documentation are processed in parallel rather than sequentially — this is where most of the time savings against a bank comes from.
Closing (10–21 days total). Funds close through escrow; straightforward deals with clean title complete in 10–15 business days.
Exit. Most borrowers refinance into a conventional jumbo loan, sell the property, or pay off from another liquidity event once the time pressure that required hard money in the first place has passed.
Hard Money vs. Jumbo Loan on the Westside
Kevin Green (Hard Money / Bridge) | Conventional Jumbo Loan | |
Approval basis | Property equity and exit strategy | Income, credit, and DTI |
Income documentation | None required | Tax returns, W-2s, pay stubs |
Typical timeline | 10–21 days | 30–45+ days |
Max LTV | Up to 65% | Typically 70–80%+ |
Ownership types | Individual, trust, LLC, probate/estate | Primarily individual borrowers |
Best for | Competitive bids, unique or thin-comp collateral, tight deadlines | 45+ days available, qualifying income, clean appraisal |
Cost | Priced for speed and flexibility | Lower cost when there's no time pressure |
Beverly Hills — Zip Code 90210
Direct answer: Beverly Hills is one of the fastest-moving markets in this group — median sale price around $4.7M, up 37.6% year over year, hot listings pending in roughly 23 days, and a quarter of sales closing above list.
The Flats — the grid south of Sunset, classic Beverly Hills estates on generous lots, walkable to Rodeo Drive.
Trousdale Estates — mid-century view lots above Sunset, heavily redeveloped with new-construction trophy homes.
Beverly Park — guard-gated, ultra-high end; among the largest lots and highest price points in the city.
North of Sunset / Beverly Hills Post Office (BHPO) — canyon-adjacent estates using Beverly Hills addressing outside the formal city boundary.
Holmby Hills — Zip Code 90024
Direct answer: Holmby Hills is the smallest and thinnest market on the Westside — part of the "Platinum Triangle" with Bel Air and Beverly Hills, with well under a thousand homes total and, in some recent months, as few as one or two closed sales. That scarcity is the whole story: with so few transactions, a bank's automated valuation model has almost nothing to anchor to, and a single unusual sale can swing the reported "median" dramatically from one month to the next.
Kevin Green treats Holmby Hills as what it is — a market too thin for algorithmic pricing — and underwrites each property on its own merits rather than against a comp set that may not exist.
Bel Air — Zip Code 90077
Direct answer: Bel Air is buyer-favorable and slower — median sale price around $3.25M, days on market near 78, homes selling roughly 7% below asking. Low competition on paper, but the collateral is often the real obstacle: large, unique compounds that don't fit a standard appraisal.
Lower Bel Air — closer to Sunset Boulevard and UCLA, denser and more traditional.
Upper Bel Air / Stone Canyon — gated, guard-patrolled estate streets with some of the largest lots in the neighborhood.
Bel Air Crest — a private, guard-gated enclave on the western edge, newer construction.
Brentwood — Zip Code 90049
Direct answer: Brentwood's median sale price sits around $2.3M, down 21.7% year over year with days on market stretching from 50 to 66 — a genuine cooling period rather than the fast-turnover market this cluster usually sees. That slower pace, on properties that are still substantial estates, is where hard money bridges the gap between a seller's timeline and a buyer's financing.
Brentwood Park — north of San Vicente, the neighborhood's most prestigious and consistently priced pocket.
Mandeville Canyon / Sullivan Canyon — canyon estates, larger lots, more privacy, further from the flats.
Brentwood Glen — the more accessible flats closer to San Vicente and Sunset.
Santa Monica — Zip Codes 90401–90405
Direct answer: Santa Monica isn't one market — it's five zip codes with dramatically different price points. North of Montana (90402) carries a median single-family price over $4.9M and price-per-square-foot above $1,950, while downtown and coastal zips (90401, 90404, 90405) run as low as $1.3M for condos and townhomes. A lender pricing "Santa Monica" as a single dataset will misvalue almost every property in it.
North of Montana (90402) — the trophy tier, tree-lined streets between San Vicente and the bluffs, the highest price-per-foot in the city.
North of Wilshire (90403) — a mix of condos and single-family homes, a step below North of Montana.
Downtown / Ocean Park (90401, 90405) — denser, more condo-heavy, the city's most accessible entry points.
Venice — Zip Code 90291
Direct answer: Venice's citywide median sits around $1.9M — just under this program's typical $2M floor — but its signature enclaves clear that threshold comfortably. Days on market run longer than the Westside average, around 70 days, reflecting a market that's eclectic and block-by-block rather than uniformly hot.
Venice Canals — the walkable, gondola-scale canal streets, among the most distinctive and highly priced pockets in the neighborhood.
Oceanfront Walk / The Boardwalk — beachfront property directly on the famous walk, a genuinely limited-supply location.
Silver Triangle — quieter, more residential, closer to Marina del Rey.
Pacific Palisades — Zip Code 90272
Direct answer: Pacific Palisades is one of the Westside's highest-value zip codes, with home values historically running in the $3.3M+ range. It's a small, tightly held market — low turnover, strong owner-occupancy, and pricing that varies sharply by street and elevation.
Huntington Palisades — close to the Village, historically among the neighborhood's highest price points.
The Alphabet Streets — the flats between Sunset and the bluffs, a dense, walkable grid.
Marquez Knolls — hillside lots above the flats with canyon and ocean views.
Castellammare / Riviera — coastal-bluff and golf-adjacent estates on the neighborhood's western and southern edges.
Malibu — Zip Code 90265
Direct answer: Malibu is a slow, low-competition market — median sale price around $4.3M, up 12.9% year over year, days on market near 77, multiple offers rare. The financing challenge here is rarely speed; it's coastal-property complexity — Coastal Commission review, septic and geological reports, and comps that vary wildly by bluff, beach, or canyon location.
Malibu Colony / Carbon Beach — the private, gate-guarded beachfront enclaves, among the highest price-per-foot land in the country.
Point Dume — bluff-top estates with ocean views, larger lots than the beachfront colonies.
Serra Retreat / Malibu Park — canyon and hillside properties, more privacy, larger acreage.
Loan Terms at a Glance
Loan amount | $2M – $30M+ |
Max LTV | Up to 65% |
Security | 1st or 2nd trust deed |
Closing | 10–21 days (straightforward deals: 10–15 business days) |
Income documentation | None — asset-based underwriting |
Ownership accepted | Individual, trust, LLC, probate/estate |
Property types | Estates, non-warrantable construction, major renovation |
Rate | Quoted per deal, based on LTV, asset, and exit strategy |
FAQ
Which Westside neighborhoods does Kevin Green lend in? Beverly Hills, Holmby Hills, Bel Air, Brentwood, Santa Monica, Venice, Pacific Palisades, and Malibu — $2M to $30M+, up to 65% LTV.
Is Venice a fit given its lower citywide median price? Often, in the segment that clears this program's $2M floor — Venice Canals and Oceanfront Walk properties typically qualify comfortably; broader Venice inventory varies more.
Why is Holmby Hills' median price so volatile month to month? Because it's one of the smallest, lowest-volume markets on the Westside — sometimes only one or two sales close in a given month, so a single unusual transaction can swing the reported median dramatically. Kevin Green underwrites each Holmby Hills property individually rather than relying on a comp set that thin.
How fast can Kevin Green close in Beverly Hills? 10–21 days; straightforward deals in 10–15 business days — fast enough to compete in a market where hot Beverly Hills listings go pending in about 23 days.
How does a hard money loan actually work? Kevin Green reviews the property and equity directly, issues a term sheet within 24–48 hours, processes underwriting and documentation in parallel rather than sequentially, and closes through escrow in 10–21 days — no income verification at any stage.
Does Kevin Green require income documentation? No. Underwriting is asset-based — equity and exit strategy, not W-2s or tax returns.
Is hard money always the right choice on the Westside? No. With 45+ days, qualifying income, and a property that appraises cleanly, a jumbo loan usually costs less — most common in Bel Air, Brentwood, and Malibu, where timelines tend to run longer. Hard money is priced for speed and for financing what banks structurally can't.
Does Kevin Green work with agents and mortgage brokers? Yes, directly, including structuring financing around Coastal Commission timelines and competitive-offer deadlines.
Contact Kevin Green
The best time to call is before the capital is needed — whether that's a competitive Beverly Hills bid, a Malibu deal stuck in coastal review, or a Holmby Hills property a bank can't price.
415-793-3403 · KGCommercialloans@outlook.com · www.PrivateFundsDirect.com
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