Loan Programs
Investor Loans
Fix & Flip and DSCR rental loans for California real estate investors. Built for speed on flips, built for scale on rentals.
Fix & Flip Loans
Fix & flip loans are short-term bridge loans designed for investors who buy distressed properties, renovate them, and sell for a profit. Speed and flexibility matter here — a conventional lender won't move fast enough and won't lend on a property that isn't habitable. Fix & flip lenders underwrite on the after-repair value (ARV) of the property, not just its current condition.
Typical terms
- ✓Loan term: 6–18 months (12 months typical)
- ✓Up to 90% of purchase price
- ✓Up to 100% of rehab costs (in draws)
- ✓Loan-to-ARV: typically up to 70–75%
- ✓Interest-only payments during the term
- ✓Fast close: often 5–10 business days
- ✓No income verification required
Best for
Experienced investors with a track record of completed flips. First-time investors can also qualify with strong credit and a solid deal, though terms may be more conservative. California's strong resale market makes fix & flip viable in most major metros.
Speed is everything in competitive markets. I work with lenders who can issue term sheets within 24 hours and close in days — not weeks.
DSCR Rental Loans
DSCR (Debt Service Coverage Ratio) loans qualify borrowers based on the rental income of the property — not personal income, tax returns, or W-2s. The lender compares the property's gross rental income to its monthly mortgage payment. If the rent covers the payment (DSCR ≥ 1.0), you can qualify regardless of how many properties you own or how complex your tax situation is.
This makes DSCR loans ideal for self-employed investors and those scaling a rental portfolio who would otherwise be limited by conventional DTI caps.
Typical terms
- ✓30-year fixed amortization
- ✓5/1, 7/1 ARM options available
- ✓No personal income verification
- ✓DSCR as low as 0.75 with some lenders
- ✓Up to 80% LTV on purchases
- ✓Short-term rental income (Airbnb) considered
- ✓LLC vesting allowed
Best for
Buy-and-hold investors building a rental portfolio in California. Because qualification is based on property cash flow — not personal income — there's no limit to how many DSCR loans you can have. Each property stands on its own.
Self-employed investors who write off significant income on taxes benefit especially — DSCR lenders don't look at your tax returns at all.
Bridge Loans
Bridge loans are short-term financing used to "bridge" a gap — most commonly when an investor needs to close on a new acquisition before selling an existing property, or when a stabilized rental property needs short-term financing before it qualifies for permanent DSCR financing. Terms are typically 6–24 months, interest-only, with fast closings.
Building your California portfolio?
Whether you're closing your first flip or adding to a rental portfolio, I'll match you with the right lender and structure for the deal.