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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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All 69 lenders offering portfolio loans in California

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  • Conrad Mortgage

    NMLS #1686046

    174 forum posts

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

    We specialize in helping investors succeed and grow their business with knowledge and over 20 years in the business experience. We also have access to all types of loan products, even if we aren't offering an inhouse product we can broker it. We have a very well developed network within the real estate community. Call or text 330-548-4430 | [email protected]

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  • Ziffy Mortgage

    NMLS #1231769

    115 forum posts

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

    Ziffy.ai is the first integrated real estate investment platform where investors can find, analyze, and finance investment properties - all in one place. We provide exclusive investment analytics, including rental yields, ROI calculations, cash flow metrics, and performance forecasts unavailable elsewhere, as well as AI-powered search, investor-focused agents, and specialized mortgage programs (DSCR Loans, Fix-n-Flip, Cashout & Commercial Loans)

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  • Levine Capital

    NMLS #715812

    54 forum posts

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

    Levine Capital, a nationwide private lender, is supported by a robust network comprising family, friends, and institutional backers. Our core mission is to supply financing solutions tailored for the acquisition, renovation, and construction of various real estate projects, including single-family homes, multifamily dwellings, and mixed-use properties.

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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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  • 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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  • First Western Federal Savings Bank

    NMLS #631666

    30 forum posts

    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • DSCR (long-term rental)
    • DSCR (short-term rental)
    • +1 more

    We are a federally chartered FDIC insured bank making loans nationwide to investors purchasing non-owner occupied real-estate employing a “common sense” lending strategy that is unique today. We lend on single family dwellings, apartments, commercial buildings and income-producing ag land to investors buying or refinancing investment real-estate as individuals, LLC’s or their corporate entities. We also help investors leverage their current retirement plan assets to purchase real estate inside their self-directed IRA or 401(k). Since 2008, FWFSB has emerged as one of the nation’s leading non-recourse loan providers to self-directed retirement plans.

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  • DSCR Direct

    No NMLS on file

    21 forum posts

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

    Offering business purpose investment property loans in all 50 states. Competitive and transparent pricing. See live rates at https://dscrdirect.net/

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  • Rate Hero

    NMLS #2822806

    18 forum posts

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

    Rate Hero | Let the home qualify itself. Built for investors who don’t fit inside a bank’s box. At Rate Hero, we help real estate investors, entrepreneurs, and self-employed borrowers secure financing based on the deal, not just a traditional income checklist. Whether you’re buying your first rental, refinancing out of hard money, pulling cash out to scale, or qualifying through DSCR, bank statements, or CPA-prepared P&Ls, we structure loans around how investors actually move. Fast deals. Creative structures. Real lending strategy. ⚡ DSCR Loans for first-time and seasoned investors ⚡ No-Ratio and Investor Cash Flow Loans ⚡ Bank Statement Loans ⚡ CPA P&L Loans ⚡ FHA, Conventional, and VA Loans and Refinances ⚡ Cash-Out Refinances for Investment and Primary Properties ⚡ Interest-Only and Asset-Based Loan Options ⚡ Second Mortgages and HELOC Options ⚡ Creative Financing for LLCs, Trusts, Corporations, and Complex Ownership Structures Our goal is simple: make financing faster, clearer, and more strategic for investors who are buying, refinancing, scaling, or restructuring. Financing built around the way investors actually move.

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  • Sam Jurgenson-CMG Home Loans

    NMLS #1820

    18 forum posts

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

    Local to Oregon and Soutwhest Washington, we do everything from your A+ Lending to no doc/hard money and everything inbetween.

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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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