1. Home
  2. Investment property lenders
  3. California

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.

Trusted by 135k+ investors · commitment-free

Financing goalStep 1 of 7
14%

What are you financing in California?

Pick one and we will match you with California lenders who fund that kind of deal. Free, and never a credit pull.

All 206 lenders funding investment property in California

Sort by
  • Pooja Bhardwaj - Madison Mortgage Services, Inc

    No NMLS on file

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

    I help real estate investors find the right financing to grow their portfolios. With access to 90+ lenders, I specialize in DSCR loans, investment purchases and refinances, cash-out refinances, bank statement programs, and creative financing solutions. Whether it’s your first rental or your next addition to a growing portfolio, I focus on competitive options, fast closings, and making even complex deals feel simple.

    Connect and view profile
  • REI Capital Partners LLC

    No NMLS on file

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

    REI Capital Partners helps real estate investors secure financing for fix-and-flip projects, new construction, bridge loans, and long-term rental properties through DSCR loan programs. We combine flexible lending solutions with hands-on deal guidance, helping investors understand their numbers, evaluate funding options, and move confidently from acquisition to exit. Whether you’re purchasing your first investment property, refinancing out of a bridge loan, accessing equity, or expanding your rental portfolio, we work to match your opportunity with the right financing strategy. Every deal receives a personalized review based on the property, project budget, cash flow, experience, and exit plan. At REI Capital Partners, we’re more than a financing source—we’re your strategic funding partner.

    Connect and view profile
  • REI PRIVATE FUNDING, LLC

    No NMLS on file

    • Hard/Private/Non-QM

    REI PRIVATE FUNDING, LLC Is Different! - We are your One Stop Lending Shop for Real Estate & Business Loans of all types by means of our multiple networks totaling over 350 Private Lenders & Groups. So whether you need any type of Real Estate Investment or Business Loan, REI Private Funding will get you to the closing table as efficiently, effectively and quickly as possible.

    Connect and view profile
  • SNR Capital Group, LLC

    No NMLS on file

    1.0 (1) · BiggerPockets reviews

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

    SNR Capital Group, LLC is a relationship-driven private lending and investment advisory firm built for real estate investors who move with purpose. Founded by a team with deep experience in investment property financing, SNR Capital Group specializes in structuring smart, strategic capital solutions for rental portfolios, short-term rentals, BRRRR investors, and cash-out refinances. With over $100M in closed volume across the last 24 months and a rapidly expanding national footprint, we understand what it takes to execute—efficiently and reliably. Our focus is simple: Speed – Clear communication, decisive underwriting, and streamlined closings. Structure – Creative loan structuring tailored to each investor’s strategy. Scale – Helping clients grow from their first investment to multi-property portfolios. We offer DSCR loans, cash-out refinances, rate-term refinances, purchase financing, and portfolio expansion strategies designed to maximize leverage while maintaining strong long-term performance. At SNR Capital Group, we don’t just close loans—we build partnerships. Our mission is to become a long-term capital resource for serious investors looking to scale intelligently and profitably. If you’re focused on growth, we’re focused on funding it.

    Connect and view profile
  • Secured Capital Lending

    No NMLS on file

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

    💰 $300K - $20M Loan Amounts. ⏰ We can close your deal in just 5 to 10 days. 📋 We offer no appraisal loans. 🔢 No FICO score requirements. 🏠 Up to 90% of Fix & Flip Financing. 🚧 100% Rehab Financing. We also specialize in unique loan products: 🏞️ Land Loans 🥈 2nd Position Loans 🏘️ Cross Collateralized Loans - Our main goal is to help you grow. With our direct private capital, you can invest more and worry less. No need to depend on big banks or institutions.

    Connect and view profile
  • Silverback Capital

    NMLS #21682288952

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

    Silverback Capital provides private money financing for real estate investors, specializing in fix-and-flip, ground-up construction, development, bridge, and DSCR rental loans. With in-house underwriting, flexible loan structures, and fast closings, we help investors secure financing that fits their property, project, and investment goals. We work with first-time investors and experienced builders, offering options for purchasing, renovating, building, and refinancing investment properties. Eligible programs offer financing without tax returns or traditional income documentation, with an emphasis on the property’s potential, borrower credit, and a clear exit strategy. I’m David Simmons, CEO of Silverback Capital. My approach is simple: understand your deal, communicate clearly, and work to get you to the closing table. We also welcome mortgage brokers, real estate agents, and referral partners. Have a deal in mind? Let’s talk. 1-800-473-5132 | [email protected] www.Silverback-Capital.com Silverback Capital Inc. | California Real Estate Broker | DRE Corporation License #02168228

    Connect and view profile
  • Sturdy Oak Capital

    No NMLS on file

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

    As the preeminent hard money and DSCR lender, we specialize in providing FAST, strategic financing solutions for real estate investors who need CERTAINTY and SPEED with the most competitive rates and the lowest fees. Whether it is funding time-sensitive acquisitions, bridge projects, or long term rental portfolios, we focus on asset-based underwriting and cash flow strength rather than red tape. Our approach is simple: decisive approvals, flexible structuring, and reliable closings that help investors scale with confidence. In a market where timing is everything, we deliver capital that moves as quickly and intelligently as our clients do. Our investors are our priority and we value your time; that is why we answer every call, every text, and every email immediately. Your time is your most valuable asset, and we appreciate that.

    Connect and view profile
  • Team Abrego Lending

    NMLS #1868120

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

    I don’t just find you a loan—I build the right strategy to help you win, save, and grow long-term. Fully bilingual, I guide both English and Spanish-speaking clients with clarity and confidence so nothing gets lost in the process. No solo te consigo un préstamo—te ayudo a crear la estrategia correcta para ganar, ahorrar y crecer a largo plazo. Como profesional bilingüe, guío a clientes en inglés y español con claridad y confianza para que nada se pierda en el proceso.

    Connect and view profile
  • Team Butler-Thomas at NEXA Mortgage

    NMLS #1660690

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

    Whether you are a first time investor embarking on your first buy and hold or fix and flip, or you are an experienced investor with up to hundreds of properties in your portfolio, we have multiple creative loan programs to meet your specific needs and help you grow and reach your target cash flow goals. We are a broker partnered with over 250 lenders and our team comes with an extensive background in finance specliazing in investor programs. We would love to discuss some of our loan products specific to investors including DSCR, conventional, fix and flip, portfolio loans, etc.

    Connect and view profile
  • Texana Bank

    No NMLS on file

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

    With more than 100 years of banking experience under our belts, we’ve learned that no two people have the same mortgage lending needs. We specialize in a wide range of Non QM loans tailored to fit your needs.

    Connect and view profile

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.

Included RentRedi subscription. All-in-one property management platform for collecting rent, handling repairs, and finding tenants.

Upgrade to unlock Pro Perks

Pro Perks are only available to annual Pro members. Upgrade to unlock them now.

What's included in Pro Perks

~$5,000+ potential annual value

  • Investor loan & insurance discounts
  • Property management & banking/ bookkeeping subscriptions
  • Savings on home renovation materials