$145,000 to $150,000 to lend in San Diego

If you have a client with bad credit and plenty of equity, I'm looking to invest personal funds of $145,000 to $150,000 in a new 1st TD on a nice property in a nice area of San Diego, at a very low LTV. In return I can offer a competitive rate that is nowhere near as high as a hard money loan and with zero points.