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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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All 206 lenders funding investment property in California

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  • Fairway Home Mortgage

    NMLS #2289

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

    I help real estate investors secure financing for rental properties, BRRRR projects, fix-and-flips, DSCR loans, portfolio loans, and conventional investment financing across multiple states. With over 20 years in mortgage lending, I understand how investors analyze cash flow, leverage, ROI, and long-term wealth building. Whether you're purchasing your first rental property or growing a large portfolio, I provide creative financing solutions, fast communication, and a streamlined approval process. I work closely with investors, agents, and builders to structure financing that aligns with investment goals and helps maximize returns. Specialties include: • DSCR Loans • Long-Term Rental Financing • Short-Term Rental Financing (Airbnb/VRBO) • Fix-and-Flip Loans • Conventional Investment Property Loans • Portfolio Financing • BRRRR Strategy Financing • Multi-State Lending • First-Time Real Estate Investors My goal is simple: help investors close more deals, grow their portfolios, and build long-term wealth through real estate.

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  • Frank Lending Team with One Brokerage

    NMLS #2142653

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • Conventional Loan
    • +11 more

    Real Estate Investor, Military Veteran, and Mortgage Loan Originator. Whether you are buying your first house hack or building a 500-unit apartment complex, I am a valuable asset to your portfolio and have access to products and knowledge that can take your business to the next level. I am tired of seeing slimy loan officers take advantage of veterans and consumers in the mortgage industry, and I want to educate and help as many people as I can with real value. Let's chat! My track record of execution, product diversity, and experience enables us to offer greater flexibility and underwriting efficiency compared to a typical bank or lender. In addition to traditional lending, I have access to preferred pricing and underwriting from private lenders, debt funds, community banks, credit unions, regional banks, REITs, life insurance companies, internal correspondent lines of credit, and other agency/non-agency debt sources.

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  • Griffin Funding

    NMLS #1120111

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

    Griffin Funding, Inc. is a national mortgage company that works with Veterans, Self-Employed, and Real Estate Investors. We specialize in VA Home Loans for active duty military and veterans, Bank Statement Loans for the self-employed, and DSCR loans for real estate investors. We are in the business of helping our clients achieve and maintain the American dream of homeownership. Griffin Funding is a fully-digital direct lender with the ability to also broker loans. Our team leverages cutting-edge technology to originate loans that meet your particular needs. Although we specialize in VA Loans, Bank Statement Loans, and DSCR Loans, we offer a wide array of loan and advising services. Contact Griffin Funding today to access top-tier customer service and highly competitive interest rates.

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  • Homes With Jessica Khani Powered by Edge Home Finance LLC

    NMLS #1868120

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

    Empowering investors to build wealth through strategic real estate opportunities! With my personal investing experience and the collective insights from successful investor clients, we help you maximize returns and grow your portfolio in the most cost-efficient and stress-free way possible. Whether you’re seeking a house hack, short- or long-term rentals, or refinancing debt, I provide tailored guidance to achieve your goals. Let’s turn real estate into your most powerful investment tool!

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  • HouseMax Funding

    NMLS #2262692

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

    Rated 4.8 out of 5 stars with over 280+ Reviews! HouseMax Funding is a nationwide hard money lender and broker partner founded for flippers, by flippers. HouseMax offers short term bridge loans for rehab and ground up, as well as long term DSCR loans. HouseMax provides superior service, savings and speed to real estate investors. **CALLING ALL BROKERS** We are launching a nationwide broker program. Feel free to reach out for more details

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  • James Paxton Mortgage

    NMLS #2454586

    5.0 (2) · BiggerPockets reviews

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

    Real estate investor loan officer connecting borrowers with DSCR, fix & flip, and bridge loan programs through a nationwide lending network.

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  • Joshua Sprague NMLS 2278722

    NMLS #2278722

    • Conventional & Gov.
    • Hard/Private/Non-QM

    I'm an investor and a lender, in that order. I own rentals, flip houses, and look at every deal the same way you probably do: Does it make sense? Does it cash flow? What's the best way to structure it? Because I'm actively investing myself, I understand the challenges that come with finding deals, raising capital, managing cash flow, and choosing the right financing strategy. My goal isn't just to get you to the closing table—it's to help you build wealth and be someone you can bounce ideas off long before you're ready to buy. I primarily help investors with DSCR loans, fix-and-flip financing, bridge loans, commercial and multifamily financing, construction loans, and portfolio growth strategies, but I also work with first-time buyers, owner-occupants, and experienced investors using conventional, FHA, VA, USDA, jumbo, and other financing options. Whether you're buying your first rental or your fiftieth, I'm always happy to talk shop, run through a deal, or help you find the financing that makes the most sense for your goals. Cheers to a brighter future and BiggerPockets!

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  • Lakewood Business Capital Inc

    No NMLS on file

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Bridge Loan
    • Conventional Loan
    • Conventional Rental Loan
    • +8 more

    Lakewood Business Capital Inc. is a nationwide private, direct lender, we provide retail and wholesale lending options for short-term fix and flip financing, long-term DSCR financing, and ground-up construction financing for real estate investors . We also partnered with leading lenders and investors to come up with an all around solution to small business challenge of financing. We have a cutting-edge technology to evaluate your business based on its actual performance, not personal credit. We created a quick and easy process to borrow money. We will jump through hoops to give your business the funds it needs to grow today.

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  • LendFriend Mortgage

    NMLS #2508873

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

    LendFriend Mortgage is a mortgage brokerage that helps real estate investors, business owners, self-employed borrowers, and high-net-worth clients secure financing when traditional bank guidelines do not fit their financial profile. Our primary focus is Non-QM lending. We work with borrowers who may have strong income, assets, credit, and real estate experience but do not qualify through a standard W-2 underwriting process. By comparing programs across more than 40 wholesale lenders, we can structure financing around the borrower’s actual financial position instead of forcing every loan into one set of bank guidelines. Many of our clients are real estate investors purchasing short-term or long-term rentals, expanding an existing portfolio, or refinancing properties to access equity for their next investment. We also work with self-employed borrowers using personal or business bank statements, investors qualifying through rental income with DSCR loans, and high-net-worth borrowers using asset depletion or other alternative income documentation. LendFriend Mortgage offers DSCR loans, bank statement mortgages, profit-and-loss loans, asset depletion programs, jumbo loans, portfolio financing, and other Non-QM solutions, along with conventional, FHA, and VA loans for purchases, refinances, and cash-out transactions. We understand that experienced investors care about more than whether a loan fits a conventional underwriting box. Leverage, cash flow, reserves, closing speed, prepayment penalties, and the ability to scale all matter. Our team helps clients compare those variables and choose a loan structure that supports both the current transaction and their broader investment strategy. LendFriend Mortgage is headquartered in Austin, Texas, and works with borrowers and investors across multiple states.

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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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