Funded·$195,000·Pensacola, FL
(917) 993-9194

Where We Lend · California

Investment Property Loans in California

California runs on business-purpose lending — higher-ticket DSCR and STR in both regulated and non-regulated submarkets, and steady bridge demand on 1031 clocks. We underwrite LA County, Orange County, the Inland Empire, and the East Bay separately, because Torrance taxes and San Bernardino yields have nothing in common.

Submit a California ScenarioCall (917) 993-9194

California markets we cover

Los Angeles

Los Angeles County

Typical investor price: $900K – $2.5M

Rent band: $2,000 – $4,500 per unit

Submarkets: Highland Park, Leimert Park, North Hollywood, San Pedro, El Sereno

Torrance

South Bay, Los Angeles County

Typical investor price: $850K – $1.6M

Rent band: $2,800 – $4,200 per unit

Submarkets: Old Torrance, West Torrance, North Torrance, Southwood, Harbor Gateway edge

Costa Mesa

Orange County

Typical investor price: $900K – $1.8M

Rent band: $2,600 – $4,000 per unit

Submarkets: Eastside Costa Mesa, Westside, Mesa Verde, South Coast Metro

Concord

Contra Costa County, East Bay

Typical investor price: $550K – $1.0M

Rent band: $2,000 – $3,200 per unit

Submarkets: Downtown Concord, Monument Corridor, Clayton Valley, West Concord

San Bernardino

Inland Empire

Typical investor price: $380K – $700K

Rent band: $1,700 – $2,600 per unit

Submarkets: North San Bernardino, Del Rosa, University District, Verdemont

Loan programs available across California

DSCR Rental Loans →

30-year fixed. No personal DTI. Closes on property cash flow.

Term30-year fixed, 5/1 and 7/1 ARM, interest-only availableLeverageUp to 80% LTV purchase, 75% LTV refiCredit660 (best pricing at 720+)Close21–30 days
Los Angeles →Torrance →Costa Mesa →

Fix & Flip Loans →

Up to 90% LTC. 75% ARV. 12-month terms.

Term6–18 month terms, interest-onlyLeverageUp to 90% LTC, 75% ARVCredit660Close10–21 days
Los Angeles →Torrance →Costa Mesa →

Short-Term Rental (STR) Loans →

Underwritten on AirDNA revenue, not LTR shadow rents.

Term30-year fixed, 10-year I/O, 5/1 ARMLeverageUp to 75% LTV purchaseCredit680Close25–35 days
Los Angeles →Torrance →Costa Mesa →

Apartment & Multifamily Loans →

5+ unit apartment buildings. Bridge, value-add, and long-term.

Term2-year bridge through 30-year permanentLeverageUp to 80% LTV (agency), 75% LTC (bridge)CreditSponsor experience-driven, 680+ typicalClose45–75 days
Los Angeles →Torrance →Costa Mesa →

Bridge Loans →

Fast, flexible capital for time-sensitive acquisitions.

Term6–24 month terms, interest-onlyLeverageUp to 75% LTV, 80% LTC on value-addCredit660Close10–21 days
Los Angeles →Torrance →Costa Mesa →

Ground-Up Construction Loans →

Fund the build. Refinance into a DSCR on stabilization.

Term12–24 month construction, converts to 30-year DSCRLeverageUp to 85% LTC, 70% LTV on completionCredit680Close30–45 days
Los Angeles →Torrance →Costa Mesa →

Ready to close your California deal?

Submit a scenario. Real term sheet within 24 hours.

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