Investment property lenders in California

Real Estate wealth is built with actual numbers, not just “trust me”. We help investors understand what the numbers mean, determine what works and build a personalized financing strategy around their long term goals. Every investor, property and portfolio is different instead of starting with a loan product. We start by understanding the deal cash flow, available Capital, monthly payment, reserves, timeline and future plans. From there, we structure financing that works for the investment today without losing sight of what you want to build next. As a mortgage broker, we can compare multiple lenders, programs and loan structures to find the right fit. My financing options include DSCR, conventional investment property loans, renovation loans, bridge, and fix and flip financing, bank statement programs, cash out refinances and other alternative income solutions. We believe you should understand the full picture before making a decision, including the rate, cash required, prepayment penalties, and potential trade-offs. If the numbers work, we’ll show you why if they don’t I’ll tell you that too. Whether you’re purchasing your first rental or expanding an established portfolio the goal is the same understand the deal, structured the financing and build a lasting wealth with a plan that is personalized to you.

Not Your Traditional Mortgage No tax returns. No W-2s. No traditional employment required. Real estate investors, self-employed borrowers, and high-net-worth individuals: this is your lender. No-Income Verification Home... Loan Rental Income Loan (1–8 Units) ...Deposit-Based Loan...Asset-Based Loans...Super Jumbo & Elite Mortgage Loans

With over 60 years of experience, Merchants Mortgage & Trust Corporation (MMTC) has been the private lender of choice for real estate investors across the United States. In 2022, MMTC completed a significant merger with a major global private equity firm. One of the fastest growing private lenders in the country, MMTC is headquartered in Denver, Colorado with offices in California, Arizona, Texas, and Oregon and currently lends in 42 States. We do not consider ourselves a typical private money lender and pride ourselves on what we call “The MMTC Experience.” For us, lending is about relationships and helping our clients throughout the entire loan process. From approvals to closings, our team works around the clock to ensure that our clients are given exceptional client service and the most competitive rates available. We take great pride in our ability to fund even the most complex transactions and specialize in non-owner-occupied fix & flip, ground-up construction, multifamily, bridge, and DSCR financing.

Mike Stone has been helping individuals and families grow their wealth through real estate since 2012. He has built a niche in the house-hacking and real estate investment space, and he’s helped notable investors such as Scott Trench (@scott_trench, Author of Set for Life & CEO of BiggerPockets), Craig Curelop (@thefiguy, Author of The House Hacking Strategy), Rachel Richards (@moneyhoneyrachel, 2X Bestselling Author & Real Estate Investing Coach), and countless other members of the BiggerPockets community with their mortgage financing. Mike believes in a comprehensive mortgage process with education and transparency on financing options at the start of the process and ongoing monitoring and planning for optimal efficiency and wealth creation after closing.

At Modern Financial, we redefine the landscape of finance with innovative solutions tailored to your unique needs. As a fully capitalized mezzanine finance lender and mortgage broker, we specialize in providing flexible, strategic funding solutions that empower businesses to grow and thrive. Our expertise lies in bridging the gap between traditional financing and entrepreneurial ambition. We offer a comprehensive suite of mezzanine finance options, designed to support mid-sized companies through their pivotal stages of growth. Whether you’re looking to expand operations, acquire new assets, or optimize your capital structure, Modern Financial delivers bespoke solutions that align with your strategic goals. In addition, our seasoned mortgage brokerage team is dedicated to navigating the complexities of real estate financing, ensuring you secure the best possible terms for your property investments. With a deep understanding of market dynamics and a commitment to exceptional service, we guide you every step of the way. At Modern Financial, we blend capital with creativity, expertise with innovation, to offer financing solutions that propel your business forward. Discover how we can partner with you to achieve your financial aspirations. Modern Financial – We finance the future

Investor helping investors! I specialize in value-add and turn-key projects; with personal experience of 70+ flip/BRRRR projects completed since 2021. I have a passion for networking with and helping other investors buy property in Ohio. I offer a unique value proposition by combining lending experience with an active investing business. In addition to traditional options, I am experienced in many complex strategies including private lending, land contracts and subject to's. Whether you are a first-time investor looking to buy your first turnkey investment, or an experienced investor with a more complicated strategy, I would love to connect! I have an abundance mindset and regularly refer out vetted contractors and off market purchase opportunities I come across between Columbus and Cincinnati.

Clear solutions for all of your lending needs. No matter what situation you are facing, we can help create a road map to successfully finance your project. From conventional to private financing, we have the experience and know how to close your loan.

With over a decade of lending experience and thousands of successful loan closings, I’m here to simplify your home financing journey. As a top loan officer, I’ll advocate for you every step of the way, ensuring you receive exceptional service and the best loan options available. Top 1% - 2024 President's Club - 2024 Fastest Purchase Closer - 2023, 2024

Oracle Funding Corp specializes in providing fast, reliable financing solutions tailored specifically to the needs of real estate investors. With a comprehensive suite of lending products—including fix-and-flip loans, bridge financing, rental property loans, and construction financing—we empower investors to capitalize quickly on opportunities and scale their portfolios effectively. Our seasoned team of lending experts brings decades of real estate and finance experience, ensuring a streamlined process, personalized service, and competitive terms. At Oracle Funding Corp, our flexibility, speed, and deep market knowledge set us apart, making us a trusted financial partner for investors who demand efficiency and results.

I help real estate investors find smart financing solutions to purchase, refinance, renovate, and leverage equity in their properties. With more than 23 years of mortgage experience, I specialize in finding creative solutions for scenarios that don’t always fit neatly into a traditional lending box. Whether you’re purchasing your first investment property or growing an established portfolio, I can help with conventional investment financing, DSCR loans, cash-out refinances, HELOCs, renovation financing, bridge loans, and other alternative lending options. My approach is straightforward and strategy-focused. I take the time to understand the entire transaction, compare available options, and help investors determine which financing structure best supports their short- and long-term goals. If there’s a deal you’re considering—even if you’re not sure it can be financed—I’m always happy to take a look and help you explore the possibilities.