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Investment property lenders in California

Browse 207 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 207 lenders funding investment property in California

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  • West Hills Solutions, LLC

    No NMLS on file

    52 forum posts

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

    West Hills Solutions, LLC provides private money lending and financing solutions for real estate investors nationwide, with a focus on non-owner-occupied Fix & Flip, Rental/DSCR, BRRRR, Ground-Up Construction, and Commercial investment properties. We work with both new and experienced investors to evaluate opportunities, structure financing, and move qualified projects toward closing. Our services extend beyond financing. We help investors with property selection and vetting, deal analysis, rehabilitation management consulting, property marketing, property and investor lead lists, Proof of Funds letters, Collateral DNA Reports, and appraisal resources. Our approach is built around disciplined analysis, clear communication, and practical solutions. We look at the entire transaction — the borrower, the property, the numbers, the financing structure, and the exit strategy — because a successful real estate investment requires more than simply finding a lender. West Hills Solutions is committed to conducting business with honesty, integrity, professionalism, and a strong work ethic. Our goal is to help investors make better-informed decisions, secure appropriate financing, and build sustainable real estate investment businesses.

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  • Malve Capital LLC

    No NMLS on file

    49 forum posts

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

    Malve Capital is a real estate private lender specializing in various loan types, including bridge loans, fix and flip loans, ground-up loans, and refinance loans. As we are asset-based direct lenders with a strong balance sheet, we are equipped to handle all aspects of the lending process in-house, thus ensuring expedited closing times and the ability to offer flexible rates and terms to our clients. Fast Closing Need to close your deal in 5 days? We’ve done it before, and we can do it again. Our process is fast and painless. Competitive Rates Our rates start at 9%, and our fees are very transparent. Our team members are available to help you estimate closing costs. Good Support Dedicated team member who knows you and your deal. Always available by direct phone number and direct email. Easy Process Smooth process so you can focus on managing your property—very minimal documentation was collected.

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  • LoanBidz

    NMLS #1647914

    4.0 (1) · BiggerPockets reviews40 forum posts

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

    LoanBidz specializes in BRRRR financing, including short-term fix & flip and long-term rental loans (DSCR) from $100k to $3M for real estate investors. We have helped over 6500 borrowers and funded over $1.5B in loans. LoanBidz.com, as an Exchange, has access to all the best private lending options available in the market. 650+ FICO requirement with a minimum of $25,000 in reserves available. We provide investment financing options for the purchase or refinance of non-owner-occupied single-family & multi-family properties in non-rural communities in 40 states. Give us an opportunity to become your lending partner.

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  • CrossCountry Mortgage LLC

    No NMLS on file

    39 forum posts

    • Conventional & Gov.
    • Conventional Loan
    • Conventional Rental Loan
    • FHA
    • +4 more

    Hello! I’m Art Shalomov, a dedicated mortgage loan officer with over 20 years of experience, specializing in helping clients achieve their real estate investment goals. Whether you are purchasing your first home, looking to expand your investment portfolio, or navigating the complex world of self-employment property financing, I’m here to help! Real estate isn’t just my career; it’s a passion fueled by my own journey as an investor. I've built wealth through real estate and I’m eager to show you how to use property investment to create financial freedom and security for yourself. With a focus on education, I guide my clients through each step of the investment process, ensuring they make informed decisions that align with their long-term objectives. At Cross Country Mortgage, we understand that the right financing is key to successful real estate investment. That’s why we offer tailored solutions like portfolio loan programs for JUMBO loans and specialized programs for self-employed entrepreneurs facing challenging or non-traditional income situations. Whether you're just starting out or looking to grow your portfolio, I’m excited to work with you to unlock the true potential of real estate investments.

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  • Express Capital Financing

    No NMLS on file

    35 forum posts

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

    As one of the fastest-growing direct nationwide lenders in the industry, we specialize in providing both short-term and long-term asset-based loans. Our services are tailored to ensure that each investor's unique needs and goals are met in today's dynamic environment. We pride ourselves on our consultative approach, which involves understanding your specific needs and developing a solution that fits you like a glove. Our unique industry knowledge, integrity, and unwavering determination define us in every transaction, ensuring that your financial goals are not just met but exceeded. Welcome to a partnership where your success is our business.

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  • Infinite Financial

    NMLS #1866302

    34 forum posts

    • Conventional & Gov.
    • Conventional Loan
    • Conventional Rental Loan
    • Home Equity (primary home)
    • +4 more

    You've found the lender with low rates, low fees, creative financing options, experience, open communication and a desire to help you meet all of your financial goals. Cydney Gray prides herself on exceptional service, drawing on her extensive expertise to tailor solutions to your unique needs. She turns complexity into simplicity, guiding first-time homebuyers, seasoned investors, and individuals seeking long-term wealth security. Cydney will empower you with innovative solutions and the knowledge to make informed decisions. Discover how Cydney can light your path to financial security, and can help you take steps towards a bright financial future. She is your lending partner for all of your goals, with the low interest rates, low fees and creative financing options. Welcome to Infinite Financial, your trusted guide to all things mortgage.

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  • Magnolia Bank

    NMLS #423028

    33 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Conventional Loan
    • Conventional Rental Loan
    • DSCR (long-term rental)
    • +6 more

    We specialize in DSCR loans for real estate investors and have years of experience helping investors finance rental properties and grow their portfolios. We understand every deal is a little different, so we take the time to understand what you’re trying to accomplish and help find a financing option that makes sense. DSCR, Bank Statement loans, Conventional, FHA, VA, and USDA financing, we have worked them all. Whether you’re just getting started or building a large portfolio, we want to be a resource you can come back to, not just for one deal, but for the long run.

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  • Cardinal Financial - David Ross

    NMLS #66247

    32 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Conventional Loan
    • Conventional Rental Loan
    • DSCR (long-term rental)
    • +4 more

    I don't just send investors an interest rate and a loan quote. My custom Loan Advisor presentation is part education, part transparency, helping you compare financing options side by side and understand the numbers before making a decision. I walk you through down payment options, interest rates, closing costs, monthly payments, and how the overall cost of a loan can change with different financing structures. It's a visual, easy-to-follow presentation where we can review actual scenarios, answer questions, and identify the financing options that make the most sense for your goals. With over 24 years of mortgage lending experience, I take a hands-on approach to helping investors understand their financing options and navigate the lending process with confidence. Whether you're purchasing your first investment property, expanding your portfolio, refinancing, or accessing equity, I bring the experience and resources to help you achieve your financing goals. My team and I have earned national recognition, including multiple Top 1% Loan Originator honors from Mortgage Executive Magazine and Scotsman Guide. I work directly with my clients, supported by an experienced team that helps keep the lending process running smoothly from application through closing. We combine competitive financing, personalized service, and experienced guidance to deliver consistent results. We provide financing nationwide, specializing in Conventional, DSCR, FHA, VA, refinance, and cash-out loans. I aim to be more than just a lender for one transaction. My goal is to build lasting relationships and become a trusted lending resource you can turn to as your real estate investments grow. If you're considering a property or evaluating financing options, I'd welcome the opportunity to walk you through the numbers and show you what we can offer. **Important DSCR Loan Requirements:** Minimum loan amount is $150,000 for financing up to 80% loan-to-value (LTV). Loan amounts between $100,000 and $149,999 are limited to 70% LTV or lower (at least 30% down payment or equity). DSCR loans below $100,000 are not available.

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  • GoRascal Inc

    NMLS #2072896

    32 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Conventional Loan
    • Conventional Rental Loan
    • DSCR (long-term rental)
    • +3 more

    We are a mortgage brokerage that combines the decades of experience of a more traditional mortgage company with the efficiency and drive of a start-up. We’re not your typical mortgage company. Our focus is on getting you the very best rate for your mortgage alongside you having the very best experience. And we stop at nothing for both. Mission: GoRascal delivers a mortgage experience that people remember and love. It’s barking up a different tree altogether—going above and beyond—from choosing, applying for, and ultimately closing on a loan that’s ideal for you. You’ll have an expert by your side and in your corner.

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  • Ridge Lending Group

    No NMLS on file

    32 forum posts

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

    Ridge Lending Group provides world-class guidance and education on smart and measured lending to those seeking to build wealth through real estate investment. With our clients’ financial goals as the focus, we set them up for success by laying the foundation for future investment strategies and offering mortgage advice for life.

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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?

207 lenders serve California as of November 14, 2026. 196 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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