Recommendation for broker with strong access to DSCR providers in CA

Member since 2026 · 2 posts · 1 vote

Looking for recommendations for a duly licensed broker who has good access to DSCR refinance providers in California.

I have a well-seasoned single-family (split into 2 units) rental property with ~$1.6 million in equity and ~$5,000 monthly in rents. First mortgage is about $70k and the HELOC is about $220k. I also want to pull out roughly $150-360k in liquidity. My credit is stellar.

Any help is much appreciated!

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Derek BrickleyBusiness Member
Lender · Ann Arbor, MI · Member since 2021 · 676 posts · 229 votes
3mo
Hey Skip!
You'll find a lot of good options for that in the community I'm sure. Sounds pretty straightforward, at that loan amount you'd likely want a lower prepayment penalty so you'd have the opportunity to refinance as rates come down. DSCR rates mirror the 2 year treasury pretty closely if you're following that. If it's helpful to look into that all feel free to reach out, can show both the difference between direct lending options and then some of the brokered ones we might recommend for that deal.
[email protected]734-645-7722
Gold Star Mortgage Financial Group548 Reviews
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Tim SwierczekPro Member
Lender · White Bear Township, MN · Member since 2016 · 1k+ posts · 1k+ votes
3mo
Quote from @Skip Spitzer:

Looking for recommendations for a duly licensed broker who has good access to DSCR refinance providers in California.

I have a well-seasoned single-family (split into 2 units) rental property with ~$1.6 million in equity and ~$5,000 monthly in rents. First mortgage is about $70k and the HELOC is about $220k. I also want to pull out roughly $150-360k in liquidity. My credit is stellar.

Any help is much appreciated!
Hey Skip,

I’m a nationwide lender that specializes in Investor loans of all types, including DSCR. PM if you’d like to collaborate on options.
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Erik EstradaBusiness Member
Lender · Member since 2022 · 6k+ posts · 1k+ votes
3mo
Quote from @Skip Spitzer:

Looking for recommendations for a duly licensed broker who has good access to DSCR refinance providers in California.

I have a well-seasoned single-family (split into 2 units) rental property with ~$1.6 million in equity and ~$5,000 monthly in rents. First mortgage is about $70k and the HELOC is about $220k. I also want to pull out roughly $150-360k in liquidity. My credit is stellar.

Any help is much appreciated!

Sounds solid. Happy to connect!
[email protected]818-269-7983
LuxePrivate Investments LLC 572 Reviews
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Rajesh Bhavnani
Member since 2026 · 5 posts · 0 votes
3mo
We lend directly and sell to a variety of investors, including JP Morgan and Goldman Sachs. So we have a lot of flexibility when it comes to underwriting guidelines.
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Vijay FriedmanBusiness Member
Miami, FL · Member since 2026 · 766 posts · 123 votes
3mo
Quote from @Skip Spitzer:

Looking for recommendations for a duly licensed broker who has good access to DSCR refinance providers in California.

I have a well-seasoned single-family (split into 2 units) rental property with ~$1.6 million in equity and ~$5,000 monthly in rents. First mortgage is about $70k and the HELOC is about $220k. I also want to pull out roughly $150-360k in liquidity. My credit is stellar.

Any help is much appreciated!

@Skip Spitzer
With that level of equity and a clear liquidity goal, it sounds like you're in a good position to explore DSCR cash-out options. Hope you find a broker who can help you compare programs and maximize the refinance.
786-656-0387
DreamPoint Capital
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