Sacramento, CA
Sacramento Investment Property Purchase and Cash-Out Loans
Insource Funding is a direct private lender for rental, bridge, multifamily, mixed-use, and commercial property purchases and refinances in Sacramento. Loans range from $100,000 to $5 million with asset-based underwriting—no DSCR, personal-income verification, or tax returns.
Sacramento offers California values without Bay Area prices. If the deal makes sense, we'll move quickly and give you a straight answer.
Direct Lender
Since 2001
$100K–$5M
Loan amounts
No DSCR
Or income verification
Purchases + Refinances
Including cash-out
Get a Quote for Your Sacramento Property
Tell us about the property and the financing you need. We issue same-day term sheets when the initial scenario fits our guidelines.
Want to See Your Financing Options?
Tell us about the property. We'll let you know if it works and explain the available financing. No runaround.
Loan programs
Investment Property Financing Available in Sacramento
All programs are for business-purpose, non-owner-occupied real estate. Purchases and refinances are available, subject to property and borrower qualification.
Financing Needs We Handle
Purchasing an investment property
Financing for an eligible rental, multifamily, mixed-use, or commercial acquisition.
Replacing an existing loan
Rate-and-term refinancing for investment property debt.
Taking cash out of available equity
Business-purpose cash-out based on the property and requested loan.
Refinancing a maturing loan
Financing for an approaching balloon payment or loan maturity.
Sacramento Market
Sacramento Rentals, Infill, and Commercial Corridors
Sacramento investment property includes rental houses, apartment buildings, mixed-use properties in central neighborhoods, neighborhood retail, office, and industrial space. City zoning maps and county parcel records show the jurisdiction, use district, and assessed parcel information.
The city and unincorporated Sacramento County have separate planning authorities. Investors should check which agency governs the address before relying on a proposed use or improvement plan.
Local property and financing
Central-City Mixed Use and Regional Rental Property
A cash-out or rate-and-term refinance can be considered across eligible property categories; it is a transaction use, not a separate loan program.
Property Types
Investment Properties We Finance in Sacramento
Non-owner-occupied 1–4 unit rentals
Single-family homes, condominiums, and two- to four-unit properties held for investment.
Multifamily properties
Eligible apartment buildings with five or more units.
Mixed-use properties
Buildings combining residential and eligible commercial space.
Office and retail
Eligible investment office and retail buildings.
Industrial properties
Eligible warehouse, distribution, and light-industrial buildings.
Other eligible commercial property
Business-purpose investment property within current lending guidelines.
Insource Funding
Why Investors Work With Us
Direct Lender Since 2001
Work directly with the people reviewing and funding the loan. More than 6,000 transactions and $1 billion funded.
Asset-Based Underwriting
No DSCR, tax returns, or personal income verification.
Residential and Commercial Investment Properties
Rental, multifamily, mixed-use, office, retail, and industrial properties.
Example financing scenario
Cash-out refinance on a Sacramento apartment property
What We Need for an Initial Review
Send the property address, purchase price or estimated value, requested loan amount, property type, purchase or refinance purpose, current payoff for a refinance, rent information when applicable, and a short explanation of the financing need.
No DSCR, income or employment verification, tax returns, or minimum credit score is required.
Get a QuoteSacramento sits inside our broader California investor lending coverage. Investors closing here also work with us on rental property loans, bridge financing, and mixed-use deals across the California market.
Insource Funding is a direct private lender headquartered at 433 Plaza Real, Suite 275, Boca Raton, Florida.
FAQ
Common Questions
Sacramento Real Estate Resources
Sacramento
Have a deal in Sacramento?
Send it over. We'll look at the property, the numbers, and the plan behind it, then give you a straight answer.