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Portfolio lenders in California

Browse 69 lenders offering portfolio loans in California as of November 14, 2026. Compare NMLS numbers, specialties and markets served.

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  • Ty Coutts - Aslan Home Lending

    NMLS #2185499

    467 forum posts

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

    Husband | HouseHacker | Director | Dog Dad My goal isn’t to just be another lender, it’s to genuinely be my clients personal real estate advisor. My wife and I invest in RE and have grown to over 8 doors in under 3 years while physically moving in and renovating almost all of them ourselves. I’m here to help make the math make sense on the financing side, but also to help make sure your goals are aligned with your life vision and values. As the Director of Aslan Home Lending and an executive loan officer, my team and I scour over 82+ different investors we work with to shop every possible better rate or cheaper/more creative options out there so you don’t have to. Before becoming Director of a mortgage brokerage, I got licensed as a Financial Advisor and also worked in STR management, so I love combining the tri-fecta of skills and knowledge needed to help turn real estate investing into true generational wealth for my clients. We specializes in not just conventional first time home buyers, but also 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, 3% down FTHB primary, second home 10% down, conventional investment 15% down And much more - Lending in all 50 States depending on your needs. No bait and switch tricks, no hidden fees—just integrity, transparency, and real solutions for real people.

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  • Diversified Financing Solutions

    NMLS #2419089

    17 forum posts

    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • DSCR (long-term rental)
    • +3 more

    Diversified Financing Solutions offers the highest level of customer service and competitive pricing you will find in private lending. Offering bridge, rehab, and rental financing with terms from 12 to 360 months. Apply today or call to speak to one of our mortgage planners and discover what Diversified Financing Solutions can do for you! Diversified Financing Solutions was founded by experienced Real Estate Professionals. We have vast experience in Real Estate Asset Management, Bank Owned Real Estate (REO) Sales, and personal experience in hundreds of fix and flip projects completed in multiple states. We will help you navigate the hurdles of executing a successful business plan. Our team has over 70 years of combined lending experience to make sure your loans close fast, with the right rates for you. We have a diverse set of in-house loan programs, investors & lender networks to fund most loan scenarios. Every borrower is VIP, that's why you get a dedicated mortgage planner that always knows your loan status. Whether it’s a single asset or a portfolio of real estate holdings, our mission is to provide timely and cost-effective financing solutions for Real Estate Investors of all experience levels. Whether you are a novice or an experienced Real Estate Professional, we have the financing solutions to fund your newest triumph. Our daily objective is to ensure your success in real estate investing, not just to get loans in and out the door quickly. We want to fund your deals, but more importantly we want to be your lender and partner for all your wins, both big and small. We can assist in ensuring your profitability by navigating the unforeseen. We provide boutique financing options, not just the big box lender financing with those painful “conditions” that cause delays. We lend our own funds, we have multiple capital partners, and we will work hard to find the best solution to suit your real estate needs.

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  • Best Lending Co

    NMLS #2117164

    5.0 (15) · BiggerPockets reviews266 forum posts

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

    BEST Lending Co. was birthed from the irritations spoken by so much of the industry. Hard money or Private money lending for real estate investment property has undergone massive changes in the last decade, but most private lenders aren’t keeping up. Having experienced those changes first hand, the founder of BEST Lending Co created this company to bridge the gap between the veteran boots on the ground and the overly complicated financing currently available for real estate investors.

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  • West Group Capital, LLC powered by NEXA Lending, LLC

    NMLS #479469

    10 forum posts

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

    27 years in mortgage lending and over $1.3 billion in funded loans, from wholesale to retail, across Conventional, FHA, VA, Non-QM, DSCR, hard money, residential and commercial. As a national broker with 300+ lenders and channels, I match your deal to the lender built for it, instead of forcing it into one company's box. Who I work with: - Investors buying their first rental or their fifteenth - Owner occupants using Conventional, FHA, or VA to house hack or buy a primary - Self employed borrowers and entity buyers who need bank statement, DSCR, or asset based options - Agents and referral partners who want one call for both standard and hard to place files Loan programs: - Conventional, FHA, VA, Jumbo - DSCR and non owner occupied rental loans, including LLC vesting - Non-QM: bank statement, P&L, asset depletion, interest only, 40 year terms - Hard money and bridge for fix and flip, BRRRR, and quick close situations - HELOCs and cash out refinances to fund the next purchase - Commercial and multifamily (5+ units), mixed use - ITIN, foreign national, and other niche programs How I work: - Every file gets a structuring review first. We look at the property, the ownership, and the exit before we pick the program. - One point of contact from first call to funding. My team and I handle the lender side so you and your agent can focus on the deal. - Clear answers on what works, what does not, and what it takes to get there. No surprises at closing. - Available to investors and homebuyers in the multiple states where I am licensed for owner occupied loans, and nationally on business purpose and DSCR files where allowed.

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  • C2 Financial.

    NMLS #1356222

    16 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Conventional Loan
    • Conventional Rental Loan
    • +10 more

    With 10 years of experience in the mortgage industry, I specialize in crafting unique strategies that align with your investing goals. My expertise spans across a comprehensive range of mortgage products, including conventional, DSCR, NonQM, commercial, and SBA loans, ensuring a perfect fit for your financial narrative. I am also an accredited Certified Mortgage Advisor. With a profound grasp of financing methods, I'm here to navigate the complex mortgage landscape, transforming challenges into seamless solutions.

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  • Austin Clarence with NEXA Mortgage

    NMLS #1509690

    5.0 (2) · BiggerPockets reviews136 forum posts

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

    As a local Phoenix investor & top AZ loan officer, I help real estate investors scale using 260+ vetted lenders—powered by NEXA, the largest mortgage brokerage platform in the U.S. With 8+ years of experience, I specialize in DSCR, Conventional, and self-employed borrower loan solutions tailored to fit real-world investment strategies. What sets me apart? I don’t just finance deals—I build them. I own and operate short-term, mid-term, and long-term rentals, giving me firsthand insight into what investors need and how to structure loans that actually support their goals. I started by listening to BiggerPockets while hiking Phoenix trails, house-hacked my way into investing, and now help clients avoid pitfalls and build smart portfolios—long after closing

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  • Lendevity, Inc.

    NMLS #1740672

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

    Lendevity is a wholesale mortgage broker partnered with over 60 highly rated lenders in the nation. We offer more options compared to the cookie-cutter solutions provided by traditional banks. Our access to a wide range of lenders and loan products allows us to tailor solutions to fit the unique needs of each client. This flexibility ensures that we can find the most cost-effective and suitable mortgage options, even in complex situations. Plus, we can shop for lower rates on the wholesale lending side, ensuring the best possible deal for our clients. Furthermore, our team is comprised of industry experts with over 30 years of experience. We help you orchestrate the transaction from start to finish. You have us in your corner to handle underwriting, realtors, title, escrow, and closing, so you can continue with your day-to-day life while buying or refinancing your home. Loan Products: - HELOC / HELOAN - DSCR - Ground Up Construction - Multi Family (5+ Units) - Purchase Home Loans - Refinance - Reverse Mortgage - FHA & VA - Bank Statement Loans - Portfolio Blanket Loans (2 or more homes under 1 umbrella mortgage) - Asset Depletion - Private Money - Fix & Flip We’d love to give you more details and provide a no-obligation quote, all without affecting your credit score. Interested in finding out how much you could qualify for? Let’s get you started!

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  • Chad Baker Team

    NMLS #329451

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

    If you’re an investor looking for creative, flexible financing solutions that work for your specific situation, you need a lender who understands Non-QM lending inside and out. Let’s connect and discuss how I can help you secure the funding you need to grow your portfolio. What Sets Us Apart? ✅ The Industry Leader in Non-QM Lending CrossCountry Mortgage (CCM) is the largest retail mortgage lender in the Non-QM space—closing more Non-QM loans than any other lender. ✅ Better Pricing & Flexible Guidelines CCM is directly involved in the securitization of Non-QM loans through an exclusive partnerships. Unlike traditional mortgage banks and brokers that must sell their Non-QM loans to secondary market investors, CCM participates in securitizations in-house. This gives us greater flexibility in underwriting, allowing us to approve loans that other lenders simply can't. ✅ More Approvals, More Loan Options Over 30% of Non-QM loans at CCM are approved outside standard guidelines—thanks to our unique ability to grant guideline exceptions. This includes: ✔️ Lower credit scores than standard guidelines allow ✔️ Higher loan-to-value ratios and increased cash-out options ✔️ Reduced reserve and down payment requirements ✔️ No-ratio DSCR loans for real estate investors ✔️ Perform multiple transactions at the same time

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  • Futures Funding Inc.

    No NMLS on file

    19 forum posts

    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • DSCR (long-term rental)
    • +7 more

    Futures Funding Inc. helps real estate investors fund fix-and-flips, rentals, and new construction with hard money and DSCR loans built for speed. We're a brokerage, not a single lender, which means one application gets your deal in front of multiple capital sources competing for your business. Whether you're flipping your first property or scaling a portfolio, we structure financing around the deal: purchase + rehab, cash-out refis, bridge-to-DSCR, and ground-up. Straight answers (if the deal doesn't work we will tell you, not string you along an shop), and fast closings.

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  • lendingBridge Inc.

    NMLS #966093

    65 forum posts

    • 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 (NON QM), adjustable-rate mortgage loans, conventional loans, FHA mortgage loans, jumbo mortgage loans, USDA mortgage loans, and more!

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  • Charlie Sloan - West Capital Lending

    NMLS #1566096

    2 forum posts

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

    You bring the investment vision—I bring the creative thinking, lending relationships, and financing options to help make it happen. I’m Charlie Sloan with West Capital Lending, and I connect real estate investors and property owners with a broad range of loan programs and access to wholesale rates all through one dedicated point of contact. As a nationally recognized mortgage brokerage, West Capital Lending brings an extensive network of lending partners to your financing search. Through those relationships, I offer access to DSCR, Non-QM, Bank Statement, Fix-and-Flip, Multifamily, Commercial, Hard Money, Construction, Conventional, FHA, VA, USDA, HELOCs, Home Equity Loans, and more for your investment and personal home financing needs. I love solving complicated deals: digging into the details, identifying possibilities, and engineering creative financing solutions when the situation calls for it. With a Finance degree from Purdue University, 10 years of lending experience, and a background overseeing billions of dollars in loan volume, I bring a deep understanding of both the numbers and the decisions behind a successful transaction. Your strategy drives the conversation. Whether you’re acquiring for cash flow, renovating for resale, building from the ground up, or putting existing equity to work, I take the time to understand your goals and explore financing that supports them. You get a consistent point of contact, an experienced problem solver, and a lending relationship built to grow alongside your portfolio. Let’s talk about your next real estate idea and the bigger picture behind it.

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All 69 lenders offering portfolio loans in California

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  • 7e investments

    NMLS #2435077

    5.0 (3) · BiggerPockets reviews21879 forum posts

    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • Fix & Flip
    • +2 more

    7e Investments is a Virginia-based private real estate investment firm. We specialize in “fixing and flipping” residential mortgage notes that are secured by single family homes throughout the US. We currently have raised over $30M for our Regulation A+ and Regulation D offering open to both accredited and non-accredited investors.

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  • BUILT-LENDING

    NMLS #391784

    2311 forum posts

    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • DSCR (long-term rental)
    • +7 more

    Looking for Reliable Real Estate Financing? Work with Joseph V. Scorese, a Nationwide Direct Private Lender focused on speed, transparency, and execution. I help real estate investors secure capital that aligns with their strategy—not just the deal. 🏡 Loan Programs Offered • Rental Loans (1–4 Family) • Fix & Flip Loans • Fix-to-Rent Loans • Portfolio / Blanket Rental Loans • Multi-Family Bridge Loans • 5+ Unit Multi-Family & Mixed-Use • New Construction Loans • Short-Term Rental Loans • DSCR & Bank Statement Loans Let’s talk strategy and structure your next deal for success—from acquisition through exit. 📞 Call/Text: 215-290-5108 📧 Email: [email protected]

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  • ProAlpha Capital

    NMLS #2702926

    2100 forum posts

    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • DSCR (long-term rental)
    • +7 more

    We provide fast, reliable private lending solutions for real estate investors, specializing in Hard Money, DSCR, and Ground-Up Construction loans. We also offer a full range of conventional, QM, and government-backed mortgage products throughout New England and Florida.

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  • Infinity Capital Finance

    No NMLS on file

    1299 forum posts

    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • Fix & Flip
    • +5 more

    We lend NATIONWIDE and specialize in quick and easy hard money loans, up to 90% of purchase and 100% of rehab. We offer ADVANCED draws and allow borrowers to obtain their own appraisal. Rates start at 8.75% and 1.5 points. We will lend up to 75% ARV and no experience required.

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  • Belsky Mortgage, LLC

    No NMLS on file

    5.0 (1) · BiggerPockets reviews1274 forum posts

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

    Belsky Mortgage, LLC is an investment and commercial mortgage broker serving real estate investors nationwide in all 50 states. Founded by Nick Belsky, we arrange business-purpose financing for Fix & Flip, DSCR rental loans, New Construction and land development, bridge loans, and Commercial properties including multifamily, mixed-use, retail and office. Our capital partners include private money lenders, high-net-worth family offices, syndications, funds and institutional lenders. Through those partners we also arrange Agency Multifamily (Fannie Mae and Freddie Mac), SBA, and HUD commercial loans. We shop each deal across that network and present competing offers side by side, so you can compare real options without spending your time hunting for lenders. We do that for you. Our focus is getting investors’ deals closed, whether you’re our client directly or we’re co-brokering with your broker. “A” paper borrowers, or deals the banks said “no” to: call or text Nick at (817) 505-5812, or start a Quick App at belskymortgage.com.

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  • Capital Chat

    No NMLS on file

    385 forum posts

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

    Capital Chat provides fast, reliable financing for real estate investors—funding in just 5–7 days with no income verification, no tax returns, and no application fee. Qualified investors can access up to 95% LTV, 100% rehab funding, and quick desktop appraisals for qualified rehab loans. Our programs are designed for a wide range of investors, including first-timers, those with low credit, foreclosures, or tax liens. We specialize in real estate deals designed to secure maximum financing, gain quick liquidity, and enable investors to leverage more deals simultaneously. Get a free quote today! FIX & FLIP QUOTE gocapitalchat.fillout.com/fixandflip NEW CONSTRUCTION QUOTE gocapitalchat.fillout.com/newconstruction DSCR LONG-TERM RENTAL QUOTE gocapitalchat.fillout.com/dscrrental FIX TO RENT gocapitalchat.fillout.com/fixtorent PORTFOLIO LOAN gocapitalchat.fillout.com/rentalportfolio COMMERCIAL & RURAL PROPERTIES gocapitalchat.fillout.com/preapproval

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  • Stairway Mortgage, a Division of NEXA Mortgage LLC

    NMLS #1660690

    329 forum posts

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

    Stairway Mortgage specializes in investor-focused lending solutions including DSCR loans, fix & flip financing, bridge loans, and non-QM programs designed to help real estate investors scale their portfolios efficiently. With over $350 million in closed loans and recognition as a Scotsman Guide Top Producer, we bring 20+ years of banking and finance expertise to every deal — from your first rental property to complex commercial transactions. We serve investors nationwide with a full suite of conventional, government, and creative lending options. Whether you're a seasoned investor needing a DSCR loan that closes fast, a fix-and-flip operator looking for competitive bridge financing, or a buy-and-hold investor seeking long-term rental financing, our team delivers personalized solutions for every strategy. Self-employed borrowers and foreign nationals welcome — we specialize in the scenarios other lenders can't figure out. DOWNLOAD one of our FREE educational guides at www.stairwaymortgage.com/guides — built for every stage of your real estate journey, from first-time buyers to scaling investors to passive income and legacy planning. COMPLIANCE NOTICE NEXA Mortgage LLC 5559 S Sossaman Rd Bldg #1 Ste #101, Mesa, AZ 85212 (602) 344-9333 | www.nexamortgage.com Corporate NMLS #: 1660690 James Blackburn NMLS: 1072866 AZ Mortgage Banker #: 2006218 NMLS Consumer Access Link: https://nmlsconsumeraccess.org/TuringTestPage.aspx?ReturnUrl=/EntityDetails.aspx/COMPANY/1660690 NEXA Mortgage LLC is an Equal Housing Lender Texas Complaint and Recovery Fund Notice: https://bit.ly/3B5pAfz

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  • Frontier Funding LLC

    No NMLS on file

    254 forum posts

    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • DSCR (long-term rental)
    • +7 more

    We finance investment properties with fast and easy no-doc loans. When banks say no, we say yes. Short term and long term no doc loans for investment properties nationwide No credit options No appraisal options Quick close Any FICO and any property type Up to 100% funding for experienced investors 1-4 family Bridge loans Fix and flips Bridge loans DSCR Ground up construction Foreclosure bailouts Retail, industrial, warehouse Hotels/Motels Multi Family 5+ Restaurants/Bars Strip clubs Mobile home park Daycare Automotive Marinas

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  • Brooklyn Funding Group

    No NMLS on file

    209 forum posts

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

    We are Brooklyn Funding Group, New York's premier direct lender FUNDING NATIONWIDE! We've closed over $120 million in loans, specializing in Fix & Flip, DSCR, and custom loan solutions. We're proud to be the nation's first and only black-owned hard money lender, dedicated to serving all communities with innovative financing and unparalleled expertise. Our team is composed of industry leaders and creative problem solvers committed to guiding you through every step of your investment journey. Whether you're a first-time investor or a seasoned pro, we offer tailored solutions to fit your unique needs, ensuring your projects are not just funded but destined for success. We believe in more than just lending; we believe in partnership. With numerous accolades and a strong presence in the community, Brooklyn Funding Group is your trusted ally in building wealth and achieving long-term prosperity. Experience the difference with a lender that prioritizes your vision, efficiency, and success. Join us and let's build your real estate future together. Your journey to success starts here.

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  • Mortgage Maestro Group

    NMLS #1838215

    181 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • Conventional Loan
    • +10 more

    Veteran owned and Denver's top-rated independent mortgage broker. Licensed in CO, TX, CA, FL, WY and able to assist on DSCR (LTR and STR) in over 30 states. House Hacker specialists. VA, FHA, Conventional 2-4 unit loans for house hackers. We also specialize in bank statement and 1099 loans for self-employed borrowers. We specialize in loan guidelines to help custom craft mortgage solutions. We help clients build generational wealth through real estate. **Minimum loan amounts $200K and 680 FICO score apply for all investment property loans**. Schedule a call https://mortgage-maestro.com/contact/

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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 is a portfolio loan?

A portfolio loan is one the lender keeps on its own books instead of selling it to Fannie Mae or Freddie Mac, so the lender sets its own rules. That makes portfolio lenders, often local banks and credit unions, a fit for investors past the 10 financed property cap on conventional loans or with properties that fall outside standard guidelines.

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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