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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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  • PrimeLending, A Plains Capital Company

    NMLS #179597

    8 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Conventional Loan
    • Conventional Rental Loan
    • DSCR (long-term rental)
    • +9 more

    Direct Lender and Broker based in Dallas, TX with over 35 years of experience in the home financing industry. I specialize in JUMBO financing, Fix & Flip, and renovation loans. We help clients achieve their homeownership dreams. Whether you're buying, refinancing, renovating, or investing in property, I provide personalized service, professional guidance, and timely results to make the mortgage process as smooth and hassle-free as possible. At PrimeLending, we offer a wide range of home loan products to meet your unique needs. Our commitment to transparency and simplicity ensures that you have a clear understanding of each step in the process. I'm here to support you with local market expertise and a customer-first approach, ensuring you get the best possible home loan experience.

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  • Cormac McCarthy - NEXA Lending

    NMLS #1660690

    7 forum posts

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

    Unlock More Deals with the Power of 300+ Lending Relationships NEXA Mortgage gives real estate investors an unmatched advantage through a network of over 300 wholesale lending partners, including 90+ lenders offering DSCR financing and approximately 18 lenders specializing in Short-Term Rental (STR) DSCR programs. Instead of forcing investors into a one-size-fits-all loan, we leverage an expansive marketplace to match each property, strategy, and investment goal with the right financing solution while shopping the market for our clients to achieve the most competitive rate and terms possible. Whether you're acquiring your first rental or scaling a large portfolio, our DSCR programs are built for investors who want to grow efficiently. By qualifying primarily based on a property's cash flow rather than traditional income documentation, DSCR financing allows investors to preserve flexibility, move quickly on opportunities, and continue building their real estate portfolios. From long-term rentals and Airbnb properties to multi-unit investments, BRRRR projects, fix-n-flips, refinances, and portfolio expansion, we provide strategic lending solutions designed around how successful investors operate. Beyond investor financing, NEXA offers access to conventional, FHA, VA, USDA, jumbo, super jumbo, non-QM, bank statement, commercial, vacant land, and specialized mortgage products—giving our clients a financing partner capable of supporting every stage of their real estate journey. Our mission is simple: provide exceptional service, transparent communication, and access to the right loan strategy to help clients build wealth through real estate. In real estate, your financing strategy can be the difference between missing a deal and closing the next opportunity. With NEXA, you gain more than a lender—you gain access to a nationwide network of financing solutions built to help you scale.

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  • A to Z Capital

    NMLS #1761721

    6 forum posts

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

    We are your one-stop-shop for all you real estate financing needs! From bridge loans, ground up construction, short and long term rentals, no doc loans and full doc primary home loans, we have you covered! No need to shop around to find different financing when you are ready to refinance because we can do any product and offer the most competitive rates.

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  • Archwest Capital

    NMLS #2674250

    6 forum posts

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

    Archwest delivers fast, flexible financing for experienced residential real estate investors and builders, supported by deep capital from our partnership with Bain Capital. Our seasoned underwriting and construction lending teams provide quick closes, fast draws, competitive pricing, and strong leverage across ground-up, fix-and-flip, DSCR, bridge, and rental portfolio loans. Thousands of investors across 44 states have chosen Archwest for reliable execution, transparent terms, and a partnership that helps them scale with confidence.

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  • Atzi Advisory

    No NMLS on file

    6 forum posts

    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • DSCR (long-term rental)
    • +5 more

    ATZI Advisory arranges debt for commercial real estate owners, sponsors and developers in the $1M to $20M range. We are not a lender. We are the party that knows where the money actually is, what each lender will genuinely fund this quarter, and how to move a file from application to closing without it stalling. We structure your deal, match it to the right lender from a network of 100+ capital sources, and manage it through to closing. Bridge, hard money, construction and conventional debt.

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  • Blakemore Mortgages

    NMLS #2273319

    6 forum posts

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

    We are a Direct Lender and Broker, based out of Miami, Florida. 5-star rating on Google! Specialize in DSCR buy and hold and Fix and Flip. We help you strategize with new and seasoned investors for their real estate success. Here's what sets us apart: Tailored Solutions: We go beyond cookie-cutter options. Our vast network of 40+ lenders allows us to craft personalized mortgage solutions that seamlessly align with your unique needs, wants, and financial goals. Expertise & Experience: Our team draws upon years of experience in the residential and commercial financing industry, navigating regulations and market nuances to secure the most competitive rates available. Client-Centric Approach: We prioritize clear communication and build genuine relationships with every client. You'll receive transparent guidance and dedicated support throughout your entire homeownership journey. Teamwork is Key: Our collaborative environment fosters seamless communication and efficient loan processing. From pre-approval to closing, you'll experience a stress-free and streamlined experience.

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  • Coastal Equity Group

    No NMLS on file

    6 forum posts

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

    Looking for flexible financing for your next investment? Coastal Equity Group provides DSCR loans, ground-up construction, fix & flips, multifamily projects, and transactional funding. Email [email protected] or call (843) 737-0182 to get started. Frustrated with slow or rigid lenders? Send us your term sheet - we’ll strive to offer a more competitive solution. Whether you’re a new investor or seasoned pro, we deliver smart, tailored financing to help you grow your portfolio efficiently. As a flexible, private lender, we move quickly through underwriting and structure loans more creatively than conventional banks. From short- to long-term financing, our approach is designed to align with your goals while keeping the process straightforward and ethical. At Coastal Equity Group, we don’t just fund deals - we build lasting partnerships, becoming a trusted extension of your team.

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  • Fast Action Mortgage, Inc.

    NMLS #1828474

    6 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Conventional Loan
    • Conventional Rental Loan
    • +6 more

    We are the #1 Brokerage in Santa Ana, CA as rated by Scotsman Guide, #7 in Orange County and #26 in the State of CA, we specialize in DSCR, Non-QM, Conventional and FHA financing while delivering unmatched loan options, rates, and service to investors like you. Whether you're diving into short-term rentals or securing a long-term investment, we've got the perfect loan for every scenario. 🏡 Explore Endless Mortgage Options with Us! 🏦 Our Expertise Includes: 🌟 Short-Term Rentals: Flexible loans tailored for your vacation or Airbnb properties. 🏠 Long-Term Loans: Competitive rates for traditional rental properties. 🔄 Refinance Loans: Unlocking savings through refinancing tailored to your needs. 🛒 Purchase Loans: Seamless financing for new property acquisitions. Why Choose Us? ✅ Unmatched Variety: We offer a myriad of loan options to suit every investor. ✅ Competitive Rates: Access rates that fit your investment strategy. ✅ Exceptional Service: Our team is dedicated to guiding you through the lending process. Ready to secure your financial future? Let us know how we can assist you! 📞 888-505-5820

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  • Raymond Santo Mortgage

    NMLS #367025

    5 forum posts

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

    Based in Cleveland - Lending Nationwide - Always happy to help analyze Deals Helping real estate investors scale portfolio - DSCR rental loans - Conventional investment property financing - Private money for investment deals - BRRR strategy financing

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  • Alex Reid - Investor Friendly Lending Powered By Aslan

    NMLS #1868120

    3 forum posts

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

    Creative Loan Specialist | Investor-Friendly Lender Alex Reid is the go-to expert for real estate investors and creative financing solutions. With over 10 years of mortgage experience and 6 doors of his own acquired in just the last two years, Alex understands the lending game from both sides—lender and investor. As his company’s Product Specialist, Alex has trained 50+ loan officers on the ins and outs of the weird, ugly, and unique loans available through the 60+ banks and lending partners his company works with—ensuring every deal finds the right fit. He specializes in DSCR, STR financing, and investment loans, offering: ✔ DSCR Loans – 85% LTV, 600+ FICO, no ratio, first-time investors& homebuyers welcome ✔ Non-QM Loans – Bank statement, asset depletion, jumbo, P&L only, fix & flip, bridge loans ✔ Conventional & Agency Loans – FHA, VA, USDA, down payment assistance, second home 10% down, conventional investment 15% down And much more - Lending in all 50 States depending on your needs. He closes loans in an average of 17 days with no gimmicks, no hidden fees—just integrity, transparency, and real solutions for real investors. "The real deal, every time."

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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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