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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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  • WEST CAPITAL LENDING - Armando Bon

    NMLS #1566096

    3 forum posts

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

    I help real estate investors find financing that fits the deal—not force the deal into one lender’s box. As an independent mortgage broker with access to a wide network of lending partners, I can compare multiple programs and structures to find the right combination of leverage, pricing, and flexibility. I work with investors ranging from first-time rental property buyers to experienced investors building and expanding their portfolios. Financing options include DSCR loans, conventional financing, fix-and-flip and bridge loans, short-term rental financing, cash-out refinances, HELOCs and second liens, bank statement and other Non-QM programs, as well as financing for 5+ unit multifamily and commercial properties. Because I’m a broker rather than a single lender, I’m not limited to one set of guidelines. If a deal doesn’t fit one lender, I can often restructure it or move it to another lending partner without the investor having to start the search all over again. Whether you're buying your first investment property, refinancing to access equity, scaling a rental portfolio, or working through a more complicated scenario, my goal is straightforward: understand the deal, find the right financing strategy, and get it to the closing table.

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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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  • Logan Masseth - Broker with West Capital Lending

    NMLS #2642910

    1 forum post

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

    I'm an AZ native and RE investor. As a broker I have hundreds of options and can help find the right one for your situation. I specialize in DSCR products to pull out equity or free up more cash flow, all while optimizing your portfolio. In addition to DSCR I can help with these things: -Traditional Mortgages (Conv, VA, FHA) -Hard Money -Commercial -Special offering is our Fast50 with no minimum credit score -HELOCs/HELs I own 2 duplexes of my own and occasionally do a light fix and flip or a house hack. I love running numbers and seeing how things work out best for everyone. There is a lot of nuance in the DSCR/NonQM space and I would love nothing more to help you walk through it.

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  • brrrr.com

    No NMLS on file

    1 forum post

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

    A leading nationwide, private money lender and Third-Party Originator of business purpose loans (BPLs) with >$350M of cumulative originations and best-in-class product knowledge and service, driving borrower satisfaction, loyalty, and referrals. When we started this company, we knew that we wanted to focus on education, building relationships, and helping investors toward financial freedom. So that is exactly what we did. When our founders joined forces, each brought unique and valuable skills and experience that would lay the foundation for our company. Before BRRRR Loans, there wasn’t a private, long-term financing option designed for securitization…there was only hard money or “fix & flip” loans. As a result, the only way a borrower could exit a hard money loan was to sell the property and pay off the loan or refinance with a bank. We knew that there had to be another way, and that is how the idea of BRRRR Loans was born. We have the knowledge and resources to help fund your next real estate investment, and we will do it, standing by your side and helping you achieve your goals.

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  • Absolute Home Mortgage Corp

    NMLS #176743

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

    At Absolute Home Mortgage we prioritize fast closings, accountable preapprovals, and proper communication throughout the entire transaction. Our loan officers are eager to help you reach your investment and home financing goals. Having the ability to access a wide variety of loan programs, we are able to help you find the right product that best suits your needs. Apply online or call today!

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  • Achilles Mortgage and Funding LLC

    NMLS #1456240

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

    If you're looking for fast, reliable financing with competitive, aggressive terms, exceptional customer service, and consistent communication, we're the partner you need to get your transaction funded. With over 10 years of industry experience, we bring the knowledge, expertise, and drive to navigate the process efficiently. Our goal is to provide a smooth, transparent, and straightforward path from initial conversation to closing, ensuring you have the support and guidance needed to get your deal across the finish line.

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  • AnnieMac Home Mortgage - Ray Desfosse

    NMLS #338923

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

    At AnnieMac Home Mortgage, we believe there’s no such thing as a dead deal—only missed solutions. Our “No Deal Left Behind” approach helps investors secure financing others overlook. As a nationwide lender specializing in NonQM, Conventional, and Government programs, we’re built to solve complex scenarios. From our signature Cash2Keys Program to creative lending strategies, we take pride in finding a solution for every borrower.

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  • Beeline Loans, Inc

    NMLS #1799947

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

    As seen in Forbes and Money. Access the same loans the property tycoons use. Pain-free investment property loans for all kinds of situations, so you can watch that rent roll in. Tailored investor application - apply in less than 10 minutes. Fast, stress-free closing.

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  • Blackdot Mortgage

    NMLS #2383240

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

    Broker. Investor. Portfolio Builder. I’m not just a mortgage broker, I’m a real estate investor who has personally used DSCR financing to build my own portfolio. As the owner of Blackdot Mortgage, I understand investment financing from both sides of the transaction. I’ve personally navigated the process of analyzing properties, evaluating rental income, structuring DSCR financing, and using real estate to build long-term wealth. My focus is helping investors use DSCR and other investment-property financing to acquire and grow their portfolios. And because I own a full-service mortgage brokerage, you’re not limited to one loan program. If DSCR isn’t the right fit for your investment, I can help you explore other financing strategies. Whether you’re purchasing your first rental property or looking to scale an established portfolio, my goal is simple: help you understand the numbers, find the right financing strategy, and make your next investment easier than your last. I invest. I understand DSCR. I understand the mortgage business. And I’m here to help you build your portfolio. DSCR financing available in most states across the U.S.

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  • Bobadilla Home Loans

    NMLS #820270

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

    We focus on helping entrepreneurs thrive and expand through real estate. We are licensed in 38 states to help you across the United States.

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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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