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Investment property lenders in California

Browse 206 lenders who fund investment property in California as of November 14, 2026. Compare DSCR, hard money, fix-and-flip and portfolio options, with NMLS numbers, specialties and markets served.

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  • Ty Coutts - Aslan Home Lending

    NMLS #2185499

    467 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • Conventional Loan
    • +13 more

    Husband | HouseHacker | Director | Dog Dad My goal isn’t to just be another lender, it’s to genuinely be my clients personal real estate advisor. My wife and I invest in RE and have grown to over 8 doors in under 3 years while physically moving in and renovating almost all of them ourselves. I’m here to help make the math make sense on the financing side, but also to help make sure your goals are aligned with your life vision and values. As the Director of Aslan Home Lending and an executive loan officer, my team and I scour over 82+ different investors we work with to shop every possible better rate or cheaper/more creative options out there so you don’t have to. Before becoming Director of a mortgage brokerage, I got licensed as a Financial Advisor and also worked in STR management, so I love combining the tri-fecta of skills and knowledge needed to help turn real estate investing into true generational wealth for my clients. We specializes in not just conventional first time home buyers, but also DSCR, STR financing, and investment loans, offering: ✔ DSCR Loans – 85% LTV, 600+ FICO, no ratio, first-time investors& homebuyers welcome ✔ Non-QM Loans – Bank statement, asset depletion, jumbo, P&L only, fix & flip, bridge loans ✔ Conventional & Agency Loans – FHA, VA, USDA, down payment assistance, 3% down FTHB primary, second home 10% down, conventional investment 15% down And much more - Lending in all 50 States depending on your needs. No bait and switch tricks, no hidden fees—just integrity, transparency, and real solutions for real people.

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  • Diversified Financing Solutions

    NMLS #2419089

    17 forum posts

    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • DSCR (long-term rental)
    • +3 more

    Diversified Financing Solutions offers the highest level of customer service and competitive pricing you will find in private lending. Offering bridge, rehab, and rental financing with terms from 12 to 360 months. Apply today or call to speak to one of our mortgage planners and discover what Diversified Financing Solutions can do for you! Diversified Financing Solutions was founded by experienced Real Estate Professionals. We have vast experience in Real Estate Asset Management, Bank Owned Real Estate (REO) Sales, and personal experience in hundreds of fix and flip projects completed in multiple states. We will help you navigate the hurdles of executing a successful business plan. Our team has over 70 years of combined lending experience to make sure your loans close fast, with the right rates for you. We have a diverse set of in-house loan programs, investors & lender networks to fund most loan scenarios. Every borrower is VIP, that's why you get a dedicated mortgage planner that always knows your loan status. Whether it’s a single asset or a portfolio of real estate holdings, our mission is to provide timely and cost-effective financing solutions for Real Estate Investors of all experience levels. Whether you are a novice or an experienced Real Estate Professional, we have the financing solutions to fund your newest triumph. Our daily objective is to ensure your success in real estate investing, not just to get loans in and out the door quickly. We want to fund your deals, but more importantly we want to be your lender and partner for all your wins, both big and small. We can assist in ensuring your profitability by navigating the unforeseen. We provide boutique financing options, not just the big box lender financing with those painful “conditions” that cause delays. We lend our own funds, we have multiple capital partners, and we will work hard to find the best solution to suit your real estate needs.

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  • The OneBrokerage

    NMLS #2142653

    1.0 (1) · BiggerPockets reviews105 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Bridge Loan
    • Conventional Loan
    • Conventional Rental Loan
    • +9 more

    The David Greene Lending Team! Built by David himself, along with his partner, Christian Bachelder of Mortgage Mondays! The one stop shop for all your lending needs. From conventional loans to DSCR to hard money financing, we have it all!

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  • Total Quality Lending

    NMLS #1933377

    4.5 (8) · BiggerPockets reviews

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Conventional Loan
    • Conventional Rental Loan
    • DSCR (long-term rental)
    • +6 more

    We deliver investor-friendly financing FAST — Direct lending, no junk fees, 15-day close Guarantee + DSCR & Self-Employed Loan Experts. TQL is your one-stop partner for Traditional & Non-Traditional Loan Products — from Conventional to DSCR, Short-Term Rental loans to Condotels, Rural properties, LLC vesting, and more. ✅ No lender fee Refi's for Returning Clients ✅ Access to All our Investor Resources ✅ Mission+ Purpose Driven Mortgage Lender ✅ Team of real estate investors who get it. Free Analysis & Property Search Finder We're not just funding loans — we're helping build wealth through real estate. Minimum Loan Amount of 100k.

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  • Best Lending Co

    NMLS #2117164

    5.0 (15) · BiggerPockets reviews266 forum posts

    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • DSCR (long-term rental)
    • +5 more

    BEST Lending Co. was birthed from the irritations spoken by so much of the industry. Hard money or Private money lending for real estate investment property has undergone massive changes in the last decade, but most private lenders aren’t keeping up. Having experienced those changes first hand, the founder of BEST Lending Co created this company to bridge the gap between the veteran boots on the ground and the overly complicated financing currently available for real estate investors.

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  • CapSource LLC

    No NMLS on file

    5.0 (1) · BiggerPockets reviews440 forum posts

    • Hard/Private/Non-QM
    • Bridge Loan
    • DSCR (long-term rental)
    • DSCR (short-term rental)
    • +4 more

    CapSource offers a broad array of lending solutions to facilitate your investment journey, no matter your level of experience. Whether you're aiming to acquire a property for renovation or to generate consistent income from rental units, CapSource is your reliable partner. What distinguishes us is our consultative and coaching approach. We're not merely lenders we're mentors, collaborating closely with you to devise a financial strategy tailored to your unique needs. Seize the opportunity to experience personalized finance today with CapSource, and allow us to guide you towards success. Your next project awaits, and we're excited to embark on this journey with you.

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  • Convoy Home Loans.

    NMLS #2130517

    27 forum posts

    • Hard/Private/Non-QM
    • DSCR (long-term rental)
    • DSCR (short-term rental)
    • Refinance (investment)

    Nationwide mortgage lender for real estate investors only. Direct to funds on Wall Street for all products including but not limited to DSCR, bank statement, fix and flip, ground up, portfolio and asset utilization. Minimum Loan Amount - $150,000 Minimum Credit Score - 620

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  • Starlit Realty Capital

    No NMLS on file

    21 forum posts

    • Hard/Private/Non-QM
    • Bridge Loan
    • Fix & Flip
    • Ground Up & Land Dev. Loan
    • +2 more

    Starlit Realty Capital serves investors and developers nationwide by sourcing appropriate financing solutions for ground up construction, fix & flip/hold, rental, and bridge products. Loan amounts of 100K-50M. Our expertise and dedication ensure that your investment journey is guided by professionals who prioritize your success. With a focus on delivering tailored financial solutions, we strive to elevate the potential of every project and partnership.

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  • West Group Capital, LLC powered by NEXA Lending, LLC

    NMLS #479469

    10 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • Conventional Loan
    • +14 more

    27 years in mortgage lending and over $1.3 billion in funded loans, from wholesale to retail, across Conventional, FHA, VA, Non-QM, DSCR, hard money, residential and commercial. As a national broker with 300+ lenders and channels, I match your deal to the lender built for it, instead of forcing it into one company's box. Who I work with: - Investors buying their first rental or their fifteenth - Owner occupants using Conventional, FHA, or VA to house hack or buy a primary - Self employed borrowers and entity buyers who need bank statement, DSCR, or asset based options - Agents and referral partners who want one call for both standard and hard to place files Loan programs: - Conventional, FHA, VA, Jumbo - DSCR and non owner occupied rental loans, including LLC vesting - Non-QM: bank statement, P&L, asset depletion, interest only, 40 year terms - Hard money and bridge for fix and flip, BRRRR, and quick close situations - HELOCs and cash out refinances to fund the next purchase - Commercial and multifamily (5+ units), mixed use - ITIN, foreign national, and other niche programs How I work: - Every file gets a structuring review first. We look at the property, the ownership, and the exit before we pick the program. - One point of contact from first call to funding. My team and I handle the lender side so you and your agent can focus on the deal. - Clear answers on what works, what does not, and what it takes to get there. No surprises at closing. - Available to investors and homebuyers in the multiple states where I am licensed for owner occupied loans, and nationally on business purpose and DSCR files where allowed.

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  • Helm Mortgage Corp.

    NMLS #2448506

    5.0 (1) · BiggerPockets reviews1637 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Conventional Loan
    • Conventional Rental Loan
    • DSCR (long-term rental)
    • +5 more

    At Helm Mortgage Corp., we treat every customer as an individual, not just a number. As a veteran-owned, father-and-son-operated mortgage company with over 40 years of experience, we've proudly helped thousands of clients with their real estate financing needs. We work with a diverse network of top-rated lenders to offer competitive rates and exceptional service, ensuring that your home financing experience is both pleasant and personal. With access to over 100 investors, we’re able to secure the best deals available, including the most favorable interest rates on a wide variety of loan programs: Conventional, FHA, VA, DSCR, and Non-QM. Whether you need full documentation, no documentation, financing for non-owner-occupied properties (investment), or multi-family homes, we’ve got you covered! Reach out to us, and you'll see why so many clients return to Helm Mortgage. From your first home purchase to your tenth investment property, we're your one-stop shop for all real estate investment financing needs!

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  • C2 Financial.

    NMLS #1356222

    16 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Conventional Loan
    • Conventional Rental Loan
    • +10 more

    With 10 years of experience in the mortgage industry, I specialize in crafting unique strategies that align with your investing goals. My expertise spans across a comprehensive range of mortgage products, including conventional, DSCR, NonQM, commercial, and SBA loans, ensuring a perfect fit for your financial narrative. I am also an accredited Certified Mortgage Advisor. With a profound grasp of financing methods, I'm here to navigate the complex mortgage landscape, transforming challenges into seamless solutions.

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  • Easy Street Capital.

    NMLS #2167568

    • Hard/Private/Non-QM
    • Bridge Loan
    • DSCR (long-term rental)
    • DSCR (short-term rental)
    • +4 more

    Easy Street Capital, LLC is the ideal lender for fix & flip investment properties, ground-up construction projects, and rentals. Defined by an experienced team and innovative loan programs, Easy Street Capital, LLC is the ideal financing partner for real estate investors of all experience levels and specialties.

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  • Austin Clarence with NEXA Mortgage

    NMLS #1509690

    5.0 (2) · BiggerPockets reviews136 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Conventional Loan
    • Conventional Rental Loan
    • +9 more

    As a local Phoenix investor & top AZ loan officer, I help real estate investors scale using 260+ vetted lenders—powered by NEXA, the largest mortgage brokerage platform in the U.S. With 8+ years of experience, I specialize in DSCR, Conventional, and self-employed borrower loan solutions tailored to fit real-world investment strategies. What sets me apart? I don’t just finance deals—I build them. I own and operate short-term, mid-term, and long-term rentals, giving me firsthand insight into what investors need and how to structure loans that actually support their goals. I started by listening to BiggerPockets while hiking Phoenix trails, house-hacked my way into investing, and now help clients avoid pitfalls and build smart portfolios—long after closing

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  • Center Street Lending

    NMLS #905781

    9 forum posts

    • Hard/Private/Non-QM
    • Bridge Loan
    • DSCR (long-term rental)
    • DSCR (short-term rental)
    • +4 more

    Local to Irvine Ca, and with 200+ 5 star Google reviews (and counting), Center Street Lending Prides ourselves on bringing easy, fast, and personalized service to the Real Estate Investing Process. With highly experienced LOs and In house servicing - Our goal is to deliver transactions that are competitively priced and swiftly executed, acting as your 'fast lane' to success. Above all, we are committed to our customers’ success because it’s good for everyone when they succeed. We pride ourselves on our in house servicing, top tier customer service, and expertise in multiple loan products; whether it be Fix & Flip, Ground up Construction, Bridge Loans, or Long Term Rentals - we have the know how to get the job done.

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  • Lendevity, Inc.

    NMLS #1740672

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • Conventional Loan
    • +13 more

    Lendevity is a wholesale mortgage broker partnered with over 60 highly rated lenders in the nation. We offer more options compared to the cookie-cutter solutions provided by traditional banks. Our access to a wide range of lenders and loan products allows us to tailor solutions to fit the unique needs of each client. This flexibility ensures that we can find the most cost-effective and suitable mortgage options, even in complex situations. Plus, we can shop for lower rates on the wholesale lending side, ensuring the best possible deal for our clients. Furthermore, our team is comprised of industry experts with over 30 years of experience. We help you orchestrate the transaction from start to finish. You have us in your corner to handle underwriting, realtors, title, escrow, and closing, so you can continue with your day-to-day life while buying or refinancing your home. Loan Products: - HELOC / HELOAN - DSCR - Ground Up Construction - Multi Family (5+ Units) - Purchase Home Loans - Refinance - Reverse Mortgage - FHA & VA - Bank Statement Loans - Portfolio Blanket Loans (2 or more homes under 1 umbrella mortgage) - Asset Depletion - Private Money - Fix & Flip We’d love to give you more details and provide a no-obligation quote, all without affecting your credit score. Interested in finding out how much you could qualify for? Let’s get you started!

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  • CV3 Financial Services

    NMLS #2478266

    • Hard/Private/Non-QM
    • Bridge Loan
    • DSCR (long-term rental)
    • DSCR (short-term rental)
    • +3 more

    Whether you’re looking to buy and hold, fix and flip, or build your rental business, CV3 is your trusted capital partner. CV3 Financial Services was built by and for real estate investors to provide both purchase and refinancing options for investment properties in 30+ states. CV3 delivers direct answers, quick closings, and flexible solutions for bridge, fix and flip and rehab loans, as well as adjustable or fixed rate rental property financing. With its diversified financial strength, CV3 is a lender that delivers speed, leverage, and consistency.

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  • The Simpson Team

    NMLS #310335

    5.0 (1) · BiggerPockets reviews137 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Bridge Loan
    • Conventional Loan
    • Conventional Rental Loan
    • +6 more

    !!!!OVER 1500 "5 STAR" online REVIEWS!!! at C2 Financial TOP Mortgage Broker in the US, Your ONE-STOP SHOP for all your residential mortgage needs! Mortgage Experts that focus on the BEST service, knowledge, experience, technology, and low rates, all while closing loans in RECORD time. We love to thoroughly educate our borrowers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. We also put our clients ahead of the competition through our ability to close loans in record time. • Close your purchase or refinance in 10 days or less! • 24/7 available and a team member always ready to pick up the phone and help! • Pre-approval in 24 hours or less! • Working with Top loan officer in the country! • We will educate you along the way! • Clients love us, 95% + business comes from referrals • We are obsessed with providing the best available rates and 5 STAR service! • Best technology and real time updates as we move through the loan process! If you are a first-time home buyer, in the military using your VA loan, HOUSE HACKING, self-employed with income challenges or an experienced real estate investor, my team and I have done thousands of these transactions and are amazing at what we do. We pride ourselves on educating our clients on loan options, rates, terms, cost, and we work very hard to deliver the best rates and service. What makes us great is the experience we bring to the table and being a very active real estate investor myself and my background in real estate only benefits our clients. We have access to the best lenders, technology, rates, and loan products in the industry. When you work with the best in the business you will get the best results. With over 50 lenders, we do the shopping for you, so you don’t have to. Property type: SFR, 2 to 4 unit, SFR + ADU, condo’s Mortgage products: VA, FHA, conventional, First-time home buyer, JUMBO, interest only, Bank statement loans, DSCR, NON-QM Construction financing: Construction, construction to permanent financing Mortgage rate type: Fixed, ARM’s and HELOC loans

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  • Your Favorite Lenders

    NMLS #2063552

    12 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Bridge Loan
    • Conventional Loan
    • Conventional Rental Loan
    • +12 more

    Your Favorite Lenders has been voted Top Lender in Orange County CA for 2 years straight in the OC register. Our curated and tailored servicing to Investors is what sets us apart from the rest of the market. Product highlights 🏠🚀 Fast 50 -Fast and easy DSCR alternative -No Minimum Fico Score -No Minimum DSCR Requirement -Max LTV (50%), High Equity!! -30 Year Term 🏠😱 90 CLTV DSCR -Flexible and Fast DSCR -Lower Liquidity Requirement -Seller Carry or 2nd's allowed! -30 Year Term 🏠🛠️ Fix N Flip Flagship -90/100/90% LTC -Payments eligible to be rolled into loan on top of max Leverage 🤯 -No PPP or minimum earned guarantee period 🏠🚧 Ground Up Construction -75/100/90% LTC -Payments eligible to be rolled into loan on top of max Leverage 🤯 -Standard 24 Month Term! We are also able to help investors who have complex and protective Entity structures. -Trust? No Problem! -LLC owned by other companies? No Problem! -A mix of the two? Nothing we can't handle!!

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  • Kiavi

    No NMLS on file

    • Hard/Private/Non-QM
    • Bridge Loan
    • DSCR (long-term rental)
    • DSCR (short-term rental)
    • +4 more

    With more than $30+ billion in funded loans, Kiavi is one of the nation's largest private lenders to residential real estate investors. Kiavi harnesses the power of data & technology to offer REIs a simpler, more reliable, and faster way to access the capital they need to scale their businesses. With a wide range of bridge and rental funding options to choose from, Kiavi’s 24/7 pricing calculator and team of experts can create a personalized solution for your investment strategy. You get reliable, robust capital designed for the way you do business today...and tomorrow.

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  • INTERSTATE HOME LOAN CENTER

    NMLS #188727

    8 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Conventional Loan
    • DSCR (long-term rental)
    • DSCR (short-term rental)
    • +5 more

    Multi-faceted lender. Financing solutions across the real estate lending sector

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  • Greenside Capital

    NMLS #2372297

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Bridge Loan
    • Conventional Loan
    • Conventional Rental Loan
    • +10 more

    At Greenside Capital, we leverage a combined $1.5B in mortgage experience to deliver investor DSCR and fix-and-flip financing for commercial, multi-unit, and residential properties. We don't require tax returns, using property cash flow or other investor-focused solutions instead. With our streamlined approach, you can secure funding quickly and focus on what you do best—growing your portfolio. Call us today to learn more.

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  • Chad Baker Team

    NMLS #329451

    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • DSCR (long-term rental)
    • +5 more

    If you’re an investor looking for creative, flexible financing solutions that work for your specific situation, you need a lender who understands Non-QM lending inside and out. Let’s connect and discuss how I can help you secure the funding you need to grow your portfolio. What Sets Us Apart? ✅ The Industry Leader in Non-QM Lending CrossCountry Mortgage (CCM) is the largest retail mortgage lender in the Non-QM space—closing more Non-QM loans than any other lender. ✅ Better Pricing & Flexible Guidelines CCM is directly involved in the securitization of Non-QM loans through an exclusive partnerships. Unlike traditional mortgage banks and brokers that must sell their Non-QM loans to secondary market investors, CCM participates in securitizations in-house. This gives us greater flexibility in underwriting, allowing us to approve loans that other lenders simply can't. ✅ More Approvals, More Loan Options Over 30% of Non-QM loans at CCM are approved outside standard guidelines—thanks to our unique ability to grant guideline exceptions. This includes: ✔️ Lower credit scores than standard guidelines allow ✔️ Higher loan-to-value ratios and increased cash-out options ✔️ Reduced reserve and down payment requirements ✔️ No-ratio DSCR loans for real estate investors ✔️ Perform multiple transactions at the same time

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  • HomeAbroad Loans

    NMLS #2625701

    • Hard/Private/Non-QM
    • Bridge Loan
    • DSCR (long-term rental)
    • DSCR (short-term rental)
    • +4 more

    HomeAbroad is a one-stop PropTech and FinTech platform that unlocks US real estate investment for global investors, offering specialized mortgage solutions without needing US credit history or residency, an AI-driven investment property search engine, local investor-friendly real estate agents, and end-to-end support (LLC formation, U.S. bank accounts, property management connections).

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  • Maltese Capital

    NMLS #1852871

    • Hard/Private/Non-QM
    • Bridge Loan
    • DSCR (long-term rental)
    • DSCR (short-term rental)
    • +2 more

    Most lenders don’t truly understand investors. At Maltese Capital, we do — because we’ve spent decades building, financing, and scaling portfolios ourselves. With over 20 years in the mortgage and real estate industry, we’ve been involved in hundreds of millions of dollars of transactions — from our own fix & flips to helping clients grow multi-property portfolios. We know what’s on the line for investors, and our mission is simple: to be the capital partner we always wished we had. Why work with us? ✅ Speed & Certainty: We underwrite in-house and move fast. If we say we’ll close, we will. ✅ Investor-Friendly Terms: Competitive rates, flexible structures, and common-sense underwriting. ✅ Real Experience: We actively invest ourselves, so we think like you do — focused on ROI and risk, not red tape. ✅ Transparency: No hidden fees, no last-minute surprises, no games. Whether you’re scaling your rental portfolio or tackling your next flip, we’re here to help you build wealth with confidence. We love connecting with fellow investors — reach out if you’d like to talk deals, swap market insights, or see how we can partner on your next project.

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  • Contour Mortgage Corporation

    No NMLS on file

    • Hard/Private/Non-QM
    • DSCR (long-term rental)
    • DSCR (short-term rental)
    • Refinance (investment)

    At Contour Mortgage, we pride ourselves on being more than just a direct retail residential mortgage lender—we’re a trusted partner in turning vision into reality. Our Business Purpose Lending division focuses on 30-year renovation loans and DSCR financing, empowering investors, developers, and entrepreneurs to acquire, improve, and maximize the value of their properties. With decades of combined expertise and a client-first approach, we deliver tailored financing solutions that move projects from blueprint to completion with speed, transparency, and confidence. Whether it’s revitalizing a single property or scaling a portfolio, Contour Mortgage provides the tools, guidance, and funding to make it happen.

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  • Nationwide Fair Lending

    NMLS #1220957

    2 forum posts

    • Hard/Private/Non-QM
    • DSCR (long-term rental)
    • DSCR (short-term rental)
    • Foreign National Loan
    • +1 more

    We specialize in Non-QM loans and complex financing that most lenders can’t approve. Our speed, flexibility, and multi-state reach set us apart. Investors choose us because we win difficult deals, maintain high conversion rates, and operate with efficiency similar to direct lenders.

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  • The Hogue Team at CMG Home Loans

    NMLS #1820

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Bridge Loan
    • Conventional Loan
    • Conventional Rental Loan
    • +12 more

    Investor Execution Partner | DSCR & Creative Leverage Specialist We help investors turn theory into real, profitable deals. Most investors don’t fail because of rates. They fail because the deal wasn’t structured correctly. We partner with real estate investors—especially first-time and time-constrained investors—to analyze, structure, and execute investment loans the right way, not just approve them. If you want a lender who will pressure-test your deal, protect your downside, and guide execution from contract to close, you’re in the right place. We are a great fit if you: • Are buying your first investment property and want expert guidance • Are a busy or scaling investor who values time and certainty • Want a lender who treats every deal as a one-off strategy, not a template • Care more about long-term cost and execution than chasing the lowest quote If you’re only looking to rate-shop, we’re probably not the right partner—and that’s intentional. What sets us apart: ✔️ Deal-First Thinking We start with the property, the rent, the exit strategy, and the risk—not just the loan program. ✔️ Creative Leverage Strategies DSCR is just a tool. We help investors structure leverage to minimize total cost, improve cash flow, and preserve flexibility. ✔️ Real-World Execution We help bridge the gap between BiggerPockets theory and what actually works in underwriting, appraisals, insurance, and DSCR calculations. ✔️ Personalized Structuring Every investor and every property is different. We do not force deals into boxes—we build the box around the deal. We specialize in: • DSCR Loans (long-term rentals & STRs) • Creative Non-QM Solutions • Strategic Refinances & Portfolio Optimization • Leverage & Cash-Flow Optimization Strategies (Details provided after we review your deal—not before.) Our clients don’t come to us just for approvals. They come to us because they want: • Confidence they’re not missing something • A partner who will speak up if the deal doesn’t make sense • A clean, predictable execution with no surprises Our goal is simple: Help you execute the right deal, the right way, the first time. If you’re serious about investing—and want a lender who will actually help you think through the deal—request contact and tell us: • The property • Your goal • Where you’re unsure We’ll take it from there.

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  • Fast Money for Flips International LLC

    No NMLS on file

    233 forum posts

    • Hard/Private/Non-QM
    • Bridge Loan
    • DSCR (long-term rental)
    • DSCR (short-term rental)
    • +5 more

    FAST MONEY FOR FLIPS INT. LLC helps real estate investors, builders, and business owners secure fast funding for fix-and-flip loans, bridge loans, DSCR rental loans, construction loans, commercial loans, SBA financing, and cash-out refinances. We work with borrowers nationwide and focus on creative lending solutions, fast approvals, and getting deals closed.

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  • Chris Sandoval | VP of Mortgage Lending at Guaranteed Rate, Inc.

    NMLS #1176734

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Conventional Loan
    • Conventional Rental Loan
    • DSCR (long-term rental)
    • +3 more

    Specializing in mortgage financing for homebuyers, homeowners, and real estate investors. Over 7 years of experience helping clients secure competitive financing, increase purchasing power, and achieve their real estate goals. Known for fast closings, competitive pricing, creative loan solutions, and exceptional responsiveness. Passionate about helping clients with purchases, refinances, jumbo loans, first-time homebuyer programs, physician loans for eligible doctors and medical professionals, non-QM financing, and customized mortgage strategies for primary residences, second homes and investment properties.

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  • Futures Funding Inc.

    No NMLS on file

    19 forum posts

    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • DSCR (long-term rental)
    • +7 more

    Futures Funding Inc. helps real estate investors fund fix-and-flips, rentals, and new construction with hard money and DSCR loans built for speed. We're a brokerage, not a single lender, which means one application gets your deal in front of multiple capital sources competing for your business. Whether you're flipping your first property or scaling a portfolio, we structure financing around the deal: purchase + rehab, cash-out refis, bridge-to-DSCR, and ground-up. Straight answers (if the deal doesn't work we will tell you, not string you along an shop), and fast closings.

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  • Arshawn Ashari - Fast Action Mortgage

    NMLS #1828474

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Conventional Loan
    • Conventional Rental Loan
    • DSCR (long-term rental)
    • +4 more

    I'm Arshawn Ashari, a mortgage broker who specializes in helping real estate investors and homeowners in the state of CA. Whether you're purchasing your next investment property, refinancing to pull equity, or structuring a deal that a big bank won't touch, I work across a wide range of loan programs to find the right fit: Conventional, Jumbo, Govt, DSCR, First-time Homebuyer, Bank Statement, and P&L Only loans. I am your one-stop-shop! What sets me apart: -Speed & responsiveness — "Fast Action" isn't just our name. I understand that deals have timelines, and I'm responsive when it counts. -Investor-focused — I work with clients who think in terms of cash flow, equity, and portfolio building — not just getting into a home. -Independent brokerage — As a broker (not a bank), I shop your loan across multiple lenders to find the most competitive rates and terms for your situation. -Multiple Scotsman Guide award recipient — Named among the top mortgage originators nationally, a benchmark for volume and performance in the industry. If you're looking for a lending partner who understands the investor mindset, let's connect!

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  • LoanIQ Team|Powered by Loan Factory

    NMLS #320841

    5.0 (2) · BiggerPockets reviews

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Bridge Loan
    • Conventional Loan
    • Conventional Rental Loan
    • +10 more

    Sharon Vasvani | LoanIQ Team | Powered by Loan Factory Serving real estate investors with the lending expertise to help you move quickly when opportunity strikes. 📩 Reach out anytime — "I'm happy to talk strategy, even before you're ready to close". Whether you are acquiring your first rental property, expanding your portfolio, or looking for creative ways to leverage your existing assets, we provide the guidance, speed, and financing expertise you need to move forward with confidence. Being investors ourselves we understand that timing and the right financing strategy can make the difference between securing a great deal and missing out. Our lending solutions, offer both QM and Non-QM loan programs for purchases, refinances, and cash-out loans, including: ✅ DSCR Loans ✅ Bridge & Alternative Financing Options ✅ Bank Statement Loans ✅ HELOCs (Home Equity Lines of Credit) ✅ Asset-Based Lending ✅ Home Equity 2nd Mortgages ✅ Fix-and-Flip & Private Money Loans ✅ Delayed Financing Solutions When you work with us you get to experience the power of Loan Factory, one of the nation’s highest-volume mortgage brokerages. Check out the 5,000+ 5-Star GOOGLE reviews to hear more about our competitive rates, streamlined service, and fully digital client friendly platform. Sharon Vasvani | NMLS # 1849781 | 2022 Top Originator - Scotsman Guide Call or text: 858-774-5204 | [email protected] |NMLS # 1849781

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  • Conventus

    NMLS #2334221

    1 forum post

    • Hard/Private/Non-QM
    • Bridge Loan
    • DSCR (long-term rental)
    • DSCR (short-term rental)
    • +4 more

    Conventus is a private real estate lender specializing in bridge, fix and flip, DSCR, ground-up construction, and multifamily financing for investors. We built our underwriting around how experienced investors actually operate, with fast closings, in-house decision-making, and terms that reflect the realities of each deal rather than a rigid checklist. Our Relationship Managers work directly with investors from first conversation through funding and beyond, so you're never navigating loan terms alone. Whether you're scaling a rental portfolio, running your next flip, or breaking ground on new construction, we lend on the fundamentals of the deal and the investor behind it.

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  • Trevor Cuicchi - 1 Lending, LLC

    NMLS #2088219

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Bridge Loan
    • Conventional Loan
    • Conventional Rental Loan
    • +9 more

    Trevor has been originating mortgage loans for over seven years and has successfully closed more than $50 million in residential financing. With extensive experience supporting seasoned investors, first‑time homebuyers, and families just like yours, he is confident in his ability to match you with the right loan product for both your short‑ and long‑term financial goals. He began his career in large retail banks but quickly realized that their one‑size‑fits‑all approach limited his ability to serve clients at the level they deserved. In 2023, Trevor partnered with the 1 Lending, LLC team, operating as a mortgage broker with access to wholesale interest rates, a full spectrum of residential loan products, and lower overhead — savings he passes directly on to YOU. Trevor also brings a unique competitive background, having represented Team USA Weightlifting on the international stage. He transitioned into the mortgage industry with the same discipline, drive, and commitment that propelled him to the highest levels of sport. Those principles guide his business today, ensuring every client receives exceptional service, clear communication, and results that speak for themselves. Rest assured: Trevor and his dedicated team will work tirelessly to deliver a smooth, successful mortgage experience.

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  • lendingBridge Inc.

    NMLS #966093

    65 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • Conventional Loan
    • +13 more

    We take the confusion out of Home Loan Financing (Mortgage). With lendingBridge™ you’ll get a dedicated lending expert who will take care of your lending needs. We can take care of your specialty mortgage loans (NON QM), adjustable-rate mortgage loans, conventional loans, FHA mortgage loans, jumbo mortgage loans, USDA mortgage loans, and more!

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  • Helm Mortgage Corp - Juan Yepes, Director

    NMLS #2448506

    132 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Conventional Loan
    • Conventional Rental Loan
    • DSCR (long-term rental)
    • +11 more

    I’m the Director at Helm Mortgage Corp., a veteran-led brokerage with 30+ years of experience, 5,000+ loans closed, and access to 100+ lenders. Before Helm, I spent 10+ years on the investor side, where I helped close 5,000+ deals. That's 10,000+ transactions of combined experience working for you. I’ll review your deal like an investor and structure it like a lender. Strategies: Primary or Rental // Purchase or Refinance // House Hacking // BRRRR // Buy-and-hold // Fix-and-flip // Single-family or Multi-family Loan programs: DSCR Short-term or Long-term Rentals // Non-QM // Commercial // Hard Money // FHA // Conventional // VA // USDA Ways to qualify: Rental Income // W-2 Income // Self-employment Income // Bank Statements // Retirement and Asset Income Send me your deal. Message me with the address and your strategy, and I'll show you how I'd structure it and what it takes to close.

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  • Charlie Sloan - West Capital Lending

    NMLS #1566096

    2 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • Conventional Loan
    • +14 more

    You bring the investment vision—I bring the creative thinking, lending relationships, and financing options to help make it happen. I’m Charlie Sloan with West Capital Lending, and I connect real estate investors and property owners with a broad range of loan programs and access to wholesale rates all through one dedicated point of contact. As a nationally recognized mortgage brokerage, West Capital Lending brings an extensive network of lending partners to your financing search. Through those relationships, I offer access to DSCR, Non-QM, Bank Statement, Fix-and-Flip, Multifamily, Commercial, Hard Money, Construction, Conventional, FHA, VA, USDA, HELOCs, Home Equity Loans, and more for your investment and personal home financing needs. I love solving complicated deals: digging into the details, identifying possibilities, and engineering creative financing solutions when the situation calls for it. With a Finance degree from Purdue University, 10 years of lending experience, and a background overseeing billions of dollars in loan volume, I bring a deep understanding of both the numbers and the decisions behind a successful transaction. Your strategy drives the conversation. Whether you’re acquiring for cash flow, renovating for resale, building from the ground up, or putting existing equity to work, I take the time to understand your goals and explore financing that supports them. You get a consistent point of contact, an experienced problem solver, and a lending relationship built to grow alongside your portfolio. Let’s talk about your next real estate idea and the bigger picture behind it.

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All 206 lenders funding investment property in California

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  • 7e investments

    NMLS #2435077

    5.0 (3) · BiggerPockets reviews21879 forum posts

    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • Fix & Flip
    • +2 more

    7e Investments is a Virginia-based private real estate investment firm. We specialize in “fixing and flipping” residential mortgage notes that are secured by single family homes throughout the US. We currently have raised over $30M for our Regulation A+ and Regulation D offering open to both accredited and non-accredited investors.

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  • LuxePrivate Investments LLC

    NMLS #2663660

    5.0 (11) · BiggerPockets reviews7028 forum posts

    • Hard/Private/Non-QM
    • Bridge Loan
    • DSCR (long-term rental)
    • DSCR (short-term rental)
    • +5 more

    We are an investor focused mortgage broker that specializes in Business Purpose, DSCR, Hard Money, Private Money, and Commercial Financing. Our expertise includes 1-4 unit long-term and short-term rentals, 5 unit + commercial properties, and fix & flips. We work with nationwide lenders that offer 7 day closing times.

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  • Private Mortgage Financing Partners, LLC

    No NMLS on file

    6932 forum posts

    • Hard/Private/Non-QM
    • Bridge Loan
    • Foreign National Loan
    • Refinance (investment)

    We are a nationwide private hard money lender for commercial real estate. Our current interest rates are 13 - 13.5% with 3 - 4 points at closing. Our loans are written for either 12 months or 24 months. Our forte is loans that don’t qualify for conventional or institutional financing. Most of our loans are through independent mortgage brokers or financial intermediaries, that typically charge borrowers 1-3 points. To submit a loan request go to www.pmfpartners.com and click on “APPLY NOW”. Fill out the loan request form, and upload any supporting documents. TYPES OF PROPERTIES * WAREHOUSE • RETAIL • SPECIAL PURPOSE • INDUSTRIAL • APARTMENT COMPLEXES • RESIDENTIAL INVESTMENT PROPERTIES • OFFICE BUILDINGS • HOTELS • MOBILE HOME PARKS LENDING PARAMETERS * ONE - TWO YEARS, INTEREST ONLY * 48 HOUR – 2 WEEK CLOSING * NO CREDIT CHECK * MINIMAL DOCUMENTATION * BROKERS PROTECTED * 13% INTEREST + 3 - 4 POINTS * TRUE DIRECT HARD MONEY LENDER * LOAN SIZE $700K - $5 MM * UP TO 65% LTV

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  • Harpoon Capital

    No NMLS on file

    5333 forum posts

    • Hard/Private/Non-QM
    • DSCR (long-term rental)
    • DSCR (short-term rental)
    • Refinance (investment)

    Harpoon Capital is currently a mortgage brokerage focusing on business-purpose loans only, with an emphasis on "DSCR Loans" -- the emerging top financing tool for residential real estate investors, from single family rentals, to small multifamily properties to short term rentals (i.e. airbnbs). Whether you are a real estate investing whale with 50+ properties or a relative minnow just starting out, our information is here to help you navigate the voyage to financial freedom through real estate investing.

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  • Investor Property Loan

    NMLS #1623101

    5.0 (69) · BiggerPockets reviews2422 forum posts

    • Hard/Private/Non-QM
    • DSCR (long-term rental)

    Common sense lending for Real Estate Investors. We specialize in all types of non conventional financing ranging from bridge/rehab loans for BRRRR projects and flips to 30 year fixed terms on stabilized properties without any personal income requirements. These also allow LLC vesting and have NO CAP on the # of financed rentals you own. We love working with out of state investors and take a simple approach to qualification. FICO, Assets, DSCR, and Experience. Loan amounts ranging from $75,000-$10,000,000.

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  • BUILT-LENDING

    NMLS #391784

    2311 forum posts

    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • DSCR (long-term rental)
    • +7 more

    Looking for Reliable Real Estate Financing? Work with Joseph V. Scorese, a Nationwide Direct Private Lender focused on speed, transparency, and execution. I help real estate investors secure capital that aligns with their strategy—not just the deal. 🏡 Loan Programs Offered • Rental Loans (1–4 Family) • Fix & Flip Loans • Fix-to-Rent Loans • Portfolio / Blanket Rental Loans • Multi-Family Bridge Loans • 5+ Unit Multi-Family & Mixed-Use • New Construction Loans • Short-Term Rental Loans • DSCR & Bank Statement Loans Let’s talk strategy and structure your next deal for success—from acquisition through exit. 📞 Call/Text: 215-290-5108 📧 Email: [email protected]

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  • ProAlpha Capital

    NMLS #2702926

    2100 forum posts

    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • DSCR (long-term rental)
    • +7 more

    We provide fast, reliable private lending solutions for real estate investors, specializing in Hard Money, DSCR, and Ground-Up Construction loans. We also offer a full range of conventional, QM, and government-backed mortgage products throughout New England and Florida.

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  • Freedom Capital Funding, LLC

    No NMLS on file

    1590 forum posts

    • Hard/Private/Non-QM
    • Bridge Loan
    • DSCR (long-term rental)
    • Fix & Flip
    • +1 more

    Direct Private Lender - We specialize in Fix & Flip Loans as well as Long Term Rental Loans (30Y Loans). We work with all investors regardless of experience. We are dedicated to giving the best possible pricing matched with the highest level of service. Min Fico - 680 No Experience Required Min Loan Value - $75,000 30Y Loan DSCR Minimum 1.00 - Floor Rate 5.75% Soft Credit Pulls Up-to 100% of Purchase for Fix & Flip Loans Tax Returns - DTI & Employment Checks are NOT Required

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  • Infinity Capital Finance

    No NMLS on file

    1299 forum posts

    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • Fix & Flip
    • +5 more

    We lend NATIONWIDE and specialize in quick and easy hard money loans, up to 90% of purchase and 100% of rehab. We offer ADVANCED draws and allow borrowers to obtain their own appraisal. Rates start at 8.75% and 1.5 points. We will lend up to 75% ARV and no experience required.

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  • Belsky Mortgage, LLC

    No NMLS on file

    5.0 (1) · BiggerPockets reviews1274 forum posts

    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • DSCR (long-term rental)
    • +6 more

    Belsky Mortgage, LLC is an investment and commercial mortgage broker serving real estate investors nationwide in all 50 states. Founded by Nick Belsky, we arrange business-purpose financing for Fix & Flip, DSCR rental loans, New Construction and land development, bridge loans, and Commercial properties including multifamily, mixed-use, retail and office. Our capital partners include private money lenders, high-net-worth family offices, syndications, funds and institutional lenders. Through those partners we also arrange Agency Multifamily (Fannie Mae and Freddie Mac), SBA, and HUD commercial loans. We shop each deal across that network and present competing offers side by side, so you can compare real options without spending your time hunting for lenders. We do that for you. Our focus is getting investors’ deals closed, whether you’re our client directly or we’re co-brokering with your broker. “A” paper borrowers, or deals the banks said “no” to: call or text Nick at (817) 505-5812, or start a Quick App at belskymortgage.com.

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Investment property loan types in California

  • DSCR loans

    Qualify on the property's rental income rather than your own. Common for buy-and-hold investors with several properties or self-employed income.

  • Hard money

    Short-term, asset-backed, funded in days rather than weeks. Used for flips and deals that cannot wait for conventional underwriting.

  • Fix-and-flip loans

    Purchase plus rehab in one facility, drawn in stages as the work is signed off.

How to find a lender in California

  • Use the BiggerPockets Lender Finder to match with lenders who fund the kind of deal you are doing in California

  • Ask in the BiggerPockets forums, where investors name the lenders they have actually closed with

  • Check the NMLS number on any lender before you share financial details

  • Attend a local California meetup and ask who other investors use

Investment property financing, explained

What kinds of investment loans do California lenders on BiggerPockets offer?

206 lenders serve California as of November 14, 2026. 195 offer hard money, private or non-QM loans, which covers DSCR, fix-and-flip and bridge financing, and 104 offer conventional and government-backed loans. Each profile shows the loan types a lender makes and reviews from BiggerPockets members.

How do I check a lender is licensed in California?

Search the lender’s name or NMLS ID on NMLS Consumer Access to see whether they’re licensed or registered in California. Some private lenders making business-purpose loans don’t need an NMLS license. For those, check California’s business registry or ask the lender what licensing applies to them.

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