Investment property lenders in California

At Axios Mortgage Funding, we turn complex deals into simple, profitable outcomes. From ground-up construction and fix & flip loans to DSCR, bridge, and private financing, we specialize in fueling real estate investors with capital that works as fast as they do. Our edge lies in tailored loan structures, quick execution, and deep market expertise—helping investors scale portfolios, unlock equity, and maximize returns in today’s competitive landscape.”

Experienced Real Estate Investor, Refinance Specialist & Broker / Hard Money Lender / Real Estate Broker / Mortgage Broker. I live in Utah and happy to help in any way that I can! In my career I have personally closed over 300 transactions totaling $150MM+ in volume. I love sharing creative strategies and solutions that help others achieve everlasting wealth and success. By helping others achieve their goals, I naturally achieve mine. I'm a savvy investor and I'm always open to reviewing deals and finding WIN-WIN situations. Your search is over. Let's find a WIN-WIN together!

We can do 50k loan amts! Both refi and purchase! Most lenders can't do these loans, but we do! DSCR loans with very low rates. Check out my Zillow Reviews https://www.zillow.com/lender-profile/rafik%20issabeigi/ For purchase deals we can do 20% down with a 680 or above score, for cash out refi's we can go up to 75% of the appraised value. No seasoning periods! We pride ourselves in customer service and attention to detail, we're very transparent and always make ourselves available. Whether your an experienced borrower or not, we have the right type of loan for you. Give us a call or shoot us an email and we're more than confident we can help guide you in the right direction.

I help real estate investors find financing that fits the deal—not force the deal into one lender’s box. As an independent mortgage broker with access to a wide network of lending partners, I can compare multiple programs and structures to find the right combination of leverage, pricing, and flexibility. I work with investors ranging from first-time rental property buyers to experienced investors building and expanding their portfolios. Financing options include DSCR loans, conventional financing, fix-and-flip and bridge loans, short-term rental financing, cash-out refinances, HELOCs and second liens, bank statement and other Non-QM programs, as well as financing for 5+ unit multifamily and commercial properties. Because I’m a broker rather than a single lender, I’m not limited to one set of guidelines. If a deal doesn’t fit one lender, I can often restructure it or move it to another lending partner without the investor having to start the search all over again. Whether you're buying your first investment property, refinancing to access equity, scaling a rental portfolio, or working through a more complicated scenario, my goal is straightforward: understand the deal, find the right financing strategy, and get it to the closing table.

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.

I help real estate investors finance rental properties with flexible DSCR loan options, including as little as 15% down and programs that allow DSCR ratios below 1.00. I also finance short-term rentals, work with LLC-owned properties, and help investors who don't qualify through traditional income guidelines. Please note: Manufactured homes are not eligible for my DSCR loan programs. My approach is simple: understand the property, the numbers, and the investor's long-term plan before recommending a loan. Along with DSCR financing, I offer bank statement, 1099, and asset-based loan options for self-employed borrowers and investors with more complex financial situations. Whether you're purchasing your first rental or building an existing portfolio, my goal is to make financing clear, responsive, and easier to navigate.

As a direct lender, it gives us the ability to be flexible on our non-owner occupied commercial & investment loans. Our rates are competitive with no hidden fees! Our loan amount limits are between $50K - $300M. We specialize in Fix & Flip/Hold, Buy & Hold, DSCR, Commercial, New Construction, and more.

Cap One Lending – 5-Star Rated, Investor-Focused Financing Cap One Lending is a veteran-owned, 5-star rated direct lender specializing in Hard Money Fix & Flip, Fix & Rent / BRRRR, and DSCR Rental Loans (short & long term)—plus FHA, VA, USDA, and Conventional mortgages for primary and secondary homes. We’re built for investors: fast decisions, flexible loan programs, and decades of experience helping clients grow their portfolios. Whether you’re buying, refinancing, or pulling cash out, we’re here to help you close more deals and scale with confidence. Why Investors Choose Us Direct lending decisions – no middlemen Investor-friendly products – maximize leverage and ROI Responsive team – quick answers and smooth closings Key Lending Criteria Minimum Loan Amounts: $75K for DSCR & Hard Money ($0 minimum on consumer loans) Minimum Credit Scores: 580 (USDA, VA, FHA), 620 (Conventional), 660 (DSCR/Hard Money) Property Types: 1–4 unit Leverage: Up to 100% USDA/VA/FHA • Up to 97% Conventional • Up to 90% LTC + 100% rehab for Fix & Flip/BRRRR • Up to 85% Rental Our Promise We combine speed, transparency, and creativity to help investors close faster, scale bigger, and earn more—every time.

We fund the deals banks won't touch: fix and flip, bridge, ground-up construction, and DSCR rental loans, nationwide. Send the address, purchase price, rehab budget, and ARV, and you get a real answer instead of a maybe. WHAT WE FUND Fix & Flip / Rehab: purchase plus rehab on one loan, short-term, built for investors who need to close fast and get to work. Bridge & Transactional: grab the deal now, refinance or sell later. New Construction: ground-up financing for spec builds and infill lots. DSCR Rental Loans: qualifies on the property's rent, not your W2 or tax returns. 1-4 units and small multifamily. The workhorse for BRRRR refis and portfolio scaling. Non-QM / Bank Statement: for self-employed borrowers that conventional underwriting keeps killing. Conventional & Government: when it is genuinely the cheaper answer, we will tell you. WHO WE WORK WITH First-time flippers who need someone to actually walk them through draws and timelines. Experienced operators scaling past the point where conventional financing stops working. Wholesalers who need a lender their end buyers will actually close with, and proof of funds letters that hold up. HOW WE WORK No tax returns and no DTI on our investor products. Underwriting looks at the deal, not your day job. You get a straight answer on structure. If the numbers do not work, we tell you why and what would make them work. We do not compete on being the cheapest quote on the internet. We compete on getting complicated deals closed. ABOUT KELLY Kelly Atchison, NMLS #1408085. Licensed mortgage loan originator with NEXA Mortgage and a licensed real estate agent, based in Denver, lending to investors nationwide. She also trains loan officers on investor and commercial lending, so the person structuring your deal teaches this for a living. Have a deal in front of you right now? Send the numbers through the contact form or call (720) 476-8776 and we will structure it.

Financing isn't one size fits all, and working with multiple institutional partners means we don't try to force your deal into a rigid box. As an active investor and licensed realtor, my goal is to take your specific scenario, structure a funding option that actually pencils out, and map out a long term plan to keep your capital moving and scaling. Because we see every side of the transaction, from maximizing credits and seller concessions to engineering aggressive pre-approvals; I act as your true one stop shop to win competitive deals and scale investors, and builders portfolios!