Investment property lenders in California

Certain Lending is a technology-driven lender dedicated to real estate investors. We lend nationwide on 1-10 unit residential properties including fix-and-flip, bridge, construction, and rental/DSCR loans—designed to meet the diverse needs of investors. Our intuitive platform streamlines the financing process, enabling quick closings and efficient draw funding. With a focus on transparency and reliability, we empower both new and seasoned investors to scale their portfolios confidently. Backed by deep industry expertise, we act as a true partner to our clients—offering responsive, high-touch service that ensures a smooth and supportive lending experience from start to finish.

Chavez Capital is an investor-focused private lending firm offering Fix & Flip, Ground-Up Construction, and DSCR loan solutions. We combine private and institutional capital with investor-friendly flexibility to help clients scale their portfolios efficiently and close with confidence.

The nation's best residential private money lender for non-owner-occupied investment properties. Investment made simple. The Cogo promise - We'll beat any competitor's rate.

Find It. Fund It. Conquer It. Conquered Capital provides residential investment property financing built specifically for real estate investors. From purchasing and renovating investment properties to building, refinancing, and expanding a rental portfolio, we provide flexible, business-purpose financing designed around the property and your investment strategy. We specialize in financing for residential investment properties, including: * Fix & Flip: Up to 90% LTC and up to 75% LTARV * Ground-Up Construction: Up to 90% LTC and up to 75% LTARV * Bridge Financing: Up to 85% LTV * Rental & DSCR: Up to 75% LTV * Cash-Out Refinance: Up to 75% LTV * Purchase, Refinance & Cash-Out Strategies Financing Built Around Your Investment Real estate investors aren’t looking for a one-size-fits-all mortgage. They need financing that fits the property, the numbers, and the plan. That’s where Conquered Capital comes in. We take an investment-focused approach to help identify financing solutions that align with your acquisition, renovation, construction, rental, or portfolio strategy. Whether you’re purchasing your first investment property or scaling an established portfolio, we help you navigate the financing process with clarity, responsiveness, and financing built around your goals. Your next investment starts with the right capital.

Contour Mortgage is a multi-state, full-service mortgage lender that has been helping homebuyers and homeowners with purchase, refinance, renovation, and investment-property financing since 1993. We offer a wide range of loan programs with a focus on personalized service and helping borrowers find financing that fits their goals.

I help real estate investors finance opportunities that do not always fit the usual box. I specialize in DSCR loans, creative investor financing solutions, and lending for both short-term and long-term rental properties. Whether you are building a portfolio, buying your first investment property, or looking for a smarter way to qualify, I can help you explore options that align with your strategy and cash flow goals. I work with investors who want flexible solutions, clear guidance, and financing built around real-world investment scenarios.

We offer DSCR loans with flexible requirements, even for first time investors. Additionally we have a plethora of other options for primary residences as well, including 0% down on up to 4 units with as little as 580 FICO.

I've been in mortgage lending since 1992, and I'm also an active short-term rental investor myself, so I understand investing from both sides of the table. I offer conventional, non-QM, DSCR, 1-4 family, and 5+ unit financing for short and long term rental properties, lending in all 50 states. Because I invest myself, I understand cash flow, seasonality, and underwriting nuances.

I’m a mortgage broker who also invests. As Director of Acquisitions and Asset Manager at a real estate investment company, I buy and manage distressed debt and REO properties, so I evaluate deals the way you do. With access to over 300 lenders, I can shop your loan and match each deal to the program that fits it best, whether you’re qualifying on rental income, bank statements, or a traditional full-doc loan. Investor programs: DSCR loans (no personal income documentation), cash-out and rate-and-term refinances on rentals, HELOCs and closed-end seconds on investment properties, and bank statement loans for self-employed borrowers. For your primary home: Conventional, FHA, VA, and jumbo purchases and refinances, plus home equity options. Because I’m on the investment side every day, I speak your language: ARV, rehab budgets, rent comps, and exit strategies. My focus is structuring the right financing for your deal and getting it closed, with fast responses and no surprises at closing.

Our loan products are built for how investors actually operate: long-term rentals, short-term rentals, BRRRR refinances, multi-family, and LLC-vested properties. Whether you’re closing on your first rental or your 100th, we move fast, structure flexibly, and treat every deal like the investment it is.