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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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  • West Capital Lending.

    NMLS #1566096

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Conventional Loan
    • Conventional Rental Loan
    • DSCR (long-term rental)
    • +5 more

    We are a trusted, 5-star rated lending partner, offering tailored mortgage solutions to both investors and first-time homebuyers. With access to over 150 top-tier lenders, we specialize in providing flexible, creative financing options designed to meet the unique needs of our clients. Whether you are an investor looking to grow your portfolio or a first-time homebuyer ready to step into the market, we are here to help you navigate the process and secure the right financing. Our Services Include: DSCR Loans (Debt Service Coverage Ratio): Ideal for real estate investors seeking rental property financing. Bank Statement Loans (12 to 24 months): Flexible qualification based on bank deposits, ideal for self-employed borrowers. P&L Loans: Ideal for business owners looking to qualify with a audited P&L from their CPA. Conventional Loans: Competitive rates for those with traditional financial profiles. FHA Loans (Federal Housing Administration): Low down payment and flexible qualification for first-time homebuyers or those with less-than-perfect credit. VA Loans (Veterans Affairs): Special financing options with no down payment and favorable terms for eligible veterans, active-duty military, and their families. Down Payment Assistance Programs: Helping first-time buyers and those with limited savings access homeownership. 1% Down Programs: Low down payment options for buyers with minimal upfront capital. HELOC (Home Equity Line of Credit): Access to flexible, revolving credit based on home equity. HELOAN (Home Equity Loan): Lump-sum financing using home equity for various needs. Reverse Mortgages: Helping seniors access the equity in their homes to support retirement. Why Choose Us: Extensive Lender Network: Over 150 trusted lenders offering a wide variety of loan products. Proven Expertise: A team dedicated to understanding the unique needs of investors and first-time buyers. Client-Focused Approach: A seamless and transparent process with a 5-star client satisfaction rating. Customized Financing Solutions: We provide options that help you secure funding, no matter your financial situation. Our Commitment: We pride ourselves on being a lender-friendly partner that makes the process easier and more accessible. Whether you are expanding your investment portfolio or securing your first home, we’re here to offer the support, guidance, and financing solutions that will empower you to succeed.

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  • lendingBridge Inc.

    No NMLS on file

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • Conventional Loan
    • +13 more

    We take the confusion out of Home Loan Financing (Mortgage). With lendingBridge™ you’ll get a dedicated lending expert who will take care of your lending needs. We can take care of your specialty mortgage loans, adjustable-rate mortgage loans, conventional loans, FHA mortgage loans, jumbo mortgage loans, USDA mortgage loans, and more!

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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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