San Jose, CA
San Jose Financing for Mixed-Use, Office and Industrial Property
Insource Funding is a direct private lender for rental, bridge, multifamily, mixed-use, and commercial property purchases and refinances in San Jose. Loans range from $100,000 to $5 million with asset-based underwriting—no DSCR, personal-income verification, or tax returns.
San Jose sits at the center of Silicon Valley. 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 San Jose 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 San Jose
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.
San Jose Market
San Jose Property and Mixed-Use Growth Areas
San Jose contains rental houses, apartment properties, downtown mixed-use buildings, neighborhood retail, office, and industrial space. The city’s online zoning map and development tools show land-use designations and active planning information for a selected parcel.
Urban villages and employment districts can allow different combinations of residential and commercial use. Investors should identify the legal existing use and current leases when selecting a rental, multifamily, or commercial program.
Local property and financing
San Jose Rentals, Apartments, Office, and Industrial Property
Bridge financing can address a purchase or approaching maturity when the property and business-purpose request fit current guidelines.
Property Types
Investment Properties We Finance in San Jose
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
Paying off a San Jose office-property balloon
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 QuoteSan Jose 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
San Jose Real Estate Resources
San Jose
Have a deal in San Jose?
Send it over. We'll look at the property, the numbers, and the plan behind it, then give you a straight answer.