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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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  • BluPrint Home Loans NMLS 1686046

    NMLS #1686046

    13 forum posts

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

    At BluPrint Home Loans, we serve a wide array of clients, from first-time homebuyers to both novice and seasoned investors. As your dedicated banking and brokerage partner, you'll benefit from the combined strengths of both worlds. Our firm self-funds its deals, offering a comprehensive suite of loan programs to meet diverse needs. Our offerings include Down Payment Assistance, 15% down DSCR, Commercial Loans, Short-Term Rental Loans, Investment HELOCs, Fixed 2nds, and even Tiny Home Loans. Known for our approachability and creativity, we encourage you to reach out with your unique scenarios. At BluPrint Home Loans, we're always ready to think outside the box to help you navigate your real estate financing needs. Feel free to send us an email with your scenario, and let’s make your property ambitions a reality together!

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  • FMC Capital

    NMLS #1840537

    13 forum posts

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

    Investor loans only: DSCR loans for long-term and short-term rentals, and rehab loans for properties you will keep as rentals (680+ credit, 1 to 4 units). We do not do primary residences, owner-occupied homes, fix and flips you plan to sell, ground-up construction, or conventional loans. FMC Capital is a Pittsburgh-based brokerage that works only with real estate investors, with a 5 star rating. We shop multiple investor lenders, send you a written cost estimate the same day, and typically close in about 30 days. - DSCR rentals: purchase, cash-out refinance or rate-and-term refinance, long-term or short-term rental - Rehab for buy & hold: buy and renovate, then refinance into a DSCR loan - 1 to 4 unit properties, $100k minimum purchase price, loan amount $75k+ 680 minimum credit score

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  • Sunflower Bank | Mortgage Lending

    NMLS #642688

    13 forum posts

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

    Sunflower Bank Mortgage Lending offers a large variety of mortgage products catered to the seasoned investor to first time buyers and everything in between. Whether you're buying your first home, refinancing, or exploring investment opportunities, I am here to guide you every step of the way. We proudly partner with homeowners, real estate professionals, builders, and appraisers to make the financing process seamless and personalized.

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  • DSCRFlow.AI

    No NMLS on file

    12 forum posts

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

    DSCRFlow | DSCR Loan Marketplace | Powered by Cornerstone First Mortgage DSCRFlow connects real estate investors with institutional-quality DSCR financing, backed by Cornerstone First Mortgage's 20+ years of lending expertise. Whether you're an investor seeking capital or an industry professional looking to monetize your network, DSCRFlow delivers. For Real Estate Investors: 🏦 Institutional Backing - Not a broker shop. Cornerstone First Mortgage provides direct lending with consistent execution 📊 DSCR-Based Approval - Qualify on your property's cash flow, not personal income or tax returns ⚡️ No Seasoning Options - Access equity immediately after renovation on qualifying deals 🗺 Nationwide Coverage - Serving investors across 48 states 💰 Competitive Terms - 75-85% LTV | Interest rates from the low 7s | $150K minimum For Industry Professionals — The DSCRFlow Affiliate Program: Turn your real estate network into recurring revenue. If you're a coach, content creator, agent, or anyone with an investor audience, DSCRFlow pays you for referrals. 💵 0.5-1% Commission Per Funded Loan - Earn $1,500-$5,000+ on typical deals depending on loan size 🔗 Trackable Referral Links - Real-time dashboard shows your pipeline and earnings 🤝 White-Glove Support - Our loan officers close deals; you collect checks 📈 Passive Income Engine - One referral can fund months of content creation Who Partners With DSCRFlow: • Real estate educators and coaches • YouTube/Instagram creators in the RE space • Investor-focused real estate agents • Property managers with investor clients • Anyone with an audience of active RE investors Why Cornerstone First Mortgage? This isn't another fly-by-night lender. Cornerstone First is a licensed mortgage company with institutional capital, compliance infrastructure, and a track record of closing deals. When you send borrowers to DSCRFlow, they get real financing—not a bait-and-switch. Connect With Us: 📧 Email: [email protected] 🌐 Borrowers: www.dscrflow.ai (http://www.dscrflow.ai/) 🌐 Affiliates: www.dscrflow.ai/affiliates (http://www.dscrflow.ai/affiliates) 📞 Direct: 619-261-0055 "Your network has value. DSCRFlow helps you capture it."

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  • MINO Lending Solutions

    No NMLS on file

    12 forum posts

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

    MINO Lending Solutions is a full service, nationwide lender focusing on the growth of its real estate investor and property management partners. MINO Lending Solutions specializes in DSCR, Fix and Flips, Short-Term Rentals, Hard Money, and more!

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  • Lendabl

    No NMLS on file

    10 forum posts

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

    At Lendabl.AI, we provide alternative financing solutions for real estate investors. From DSCR loans to Fix & Flip loans, we offer options that traditional banks won't. At our core, we believe financing should be accessible, transparent, and built around real-world needs. That's why we're committed to delivering fast approvals, simple underwriting, and personalized support to empower investors to achieve their goals with confidence. If you're looking for financing for real estate investors, Lendabl is your trusted partner.

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  • Lendabl LLC

    No NMLS on file

    10 forum posts

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

    we provide alternative financing solutions for real estate investors. From DSCR loans to Fix & Flip loans, we offer options that traditional banks won't. At our core, we believe financing should be accessible, transparent, and built around real-world needs. That's why we're committed to delivering fast approvals, simple underwriting, and personalized support to empower investors to achieve their goals with confidence. If you're looking for financing for real estate investors, Lendabl is your trusted partner.

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  • Randall LeBlanc - Cornerstone First Mortgage

    NMLS #2142653

    10 forum posts

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

    I help real estate investors structure financing that actually gets deals closed, especially when the deal isn’t clean, standard, or cookie-cutter. I work primarily with real estate investors on business-purpose and investment loans, including: • Fix & Flip financing • DSCR loans (long-term & short-term rentals) • Hard money and bridge loans • Non-QM investment loans • Investment property refinances Many of the deals I work on involve tighter ratios, LLC ownership, short timelines, or scenarios where the borrower has been told different things by different lenders. How I work I don’t just quote rates and send applications. My job is to help you understand the trade-offs between leverage, cash flow, speed, and risk, and then structure the loan around your strategy, not the lender’s convenience. That means being upfront about what works, what doesn’t, and where flexibility exists before you’re under pressure. I’ve worked alongside experienced investors and educators such as David Greene and Robert Abasolo, and I understand how financing decisions impact deal performance long after closing. Who I’m a good fit for You’ll get the most value working with me if you: • Invest in fix & flip, DSCR, or short-term rentals • Want straight answers and clear expectations • Have received conflicting guidance or been told “no” • Value communication, speed, and clean execution • Prefer to think through structure before committing Next step If you have a deal you’re evaluating, or one already under contract, feel free to reach out. You don’t need everything figured out. I’m happy to review the scenario, walk through options, and help you understand the smartest way to move forward.

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  • Texana Bank Mortgage

    NMLS #407536

    10 forum posts

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

    I specialize in helping homebuyers and real estate investors secure the right financing—whether it’s a conventional purchase, refinance, VA loan, or DSCR investment property. My focus is on speed, clarity, and structuring deals that actually help you build long-term wealth. I work closely with investors at all levels, from first-time buyers to experienced portfolio builders, providing tailored loan solutions and transparent guidance every step of the way. If you’re looking for a reliable lending partner who understands both financing and strategy, I’m here to help you close with confidence.

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  • The Mortgage Specialist Group @ Cornerstone

    NMLS #173855

    10 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Bridge Loan
    • Conventional Loan
    • Conventional Rental Loan
    • +12 more

    We are a nationwide full-service mortgage lender based in Miami with over 20+ years of experience. We specialize in all types of mortgages such as, DSCR, Conventional, FHA, Jumbo, VA, ARMS, First time buyer programs and Home Equity Lines. Neev and Emmanuel are located in Florida but lend nationwide. The Mortgage Specialist Group is a Branch within Cornerstone First Mortgage. Functioning as both the mortgage lender and broker, all aspects of the loan process (underwriting, funding and processing) are offered in-house. We are dedicated to delivering high-quality customer service and offer an extensive range of home loan programs with competitive rates to deliver a solution that best fits the need of each client. You can see our reviews here - Neev and Emmanuel are a team. https://www.experience.com/reviews/emmanuel-fajardo-320601

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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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