Expand your portfolio with investor-focused financing for rentals, fix & flip projects, and multi-property strategies across California. Compare DSCR and portfolio options for non-owner occupied properties, with guidance on loan amounts and interest rate strategy in markets like Los Angeles, Orange County, San Diego, and the Bay Area.
Tailored financing solutions for every type of real estate investment strategy, including DSCR loans California investors use to qualify based on rental income and portfolio investor loans California buyers rely on to scale. Some programs can qualify without tax returns, while others use full documentation for stronger terms.
Long-term buy & hold investments
Traditional investment property loans for single-family homes, condos, and small multi-family properties.
Short-term renovation financing
Bridge loans and hard money options for property acquisition and renovation projects.
Multiple property financing
Specialized programs for investors with multiple properties or complex financial situations.
Target strong rental demand and long-term growth across California's major metros.
High rental demand, diverse neighborhoods, strong long-term appreciation, and multiple property strategies.
Coastal premium, strong tenant base, and stable demand across high-value submarkets.
High barrier-to-entry market with stable demand, coastal rentals, and long-term hold potential.
Premium markets with strong income profiles, long-term appreciation trends, and portfolio diversification.
Investor-friendly price points, strong rental demand, and growing population inflows.
Expansion markets with inventory opportunities and demand from commuter and logistics corridors.
Higher standards apply to investment property financing due to increased risk factors. Many conventional loans follow Freddie Mac guidelines, and DSCR options may carry higher interest rates depending on the property profile and documentation.
620+ minimum
Higher scores (720+) qualify for better rates and terms. Strong credit history essential.
20-25% required
Higher down payments often secure better rates and loan terms.
36-45% maximum
Including all existing debts and projected rental income from the property.
2-6 months PITI
Liquid assets to cover mortgage payments, taxes, insurance, and maintenance.
Landlord experience preferred
Prior rental property ownership or property management background valued.
Cash flow positive
Property must demonstrate positive cash flow potential with market rents.
Investment returns vary by property, location, and market conditions. We'll help you evaluate cash flow potential for your specific situation.
We calculate projected rental income vs. mortgage payment, taxes, insurance, and HOA to determine positive or negative cash flow
Debt Service Coverage Ratio analysis to determine if property qualifies for DSCR financing (1.0-1.25 ratio required)
Local market analysis including comparable rents, vacancy rates, and neighborhood demand in your target area
Personalized analysis based on your specific property, down payment, and investment goals. Call (954) 394-1959 for free evaluation
Disclaimer: Investment property returns vary significantly based on location, property type, management, market conditions, and financing terms. Past performance does not guarantee future results. This is not investment advice. Consult with a financial advisor regarding investment decisions.
Get expert guidance on portfolio investor loans in California and maximize your returns—whether you're prioritizing a lower interest rate, comparing loan amounts, or choosing between conventional loans and DSCR.