How do California rent control laws affect financing?

We underwrite based on current market rents and property value rather than rent control restrictions. Our California lending team understands AB 1482 and local rent control ordinances. We can structure loans appropriately for rent-controlled properties, though aggressive rent increases may not be factored into valuations.

Do you finance properties affected by Prop 19?

Yes, we regularly finance properties where Prop 19 creates opportunities for new investors. When inherited properties lose parent-child property tax exemptions, we can help investors acquire these assets at market value. Our team understands the tax implications and structures financing accordingly.

Can you finance investment properties in both coastal and inland California markets?

Absolutely. We finance properties throughout California including coastal markets (Los Angeles, San Diego, San Francisco Bay Area) and inland regions (Sacramento, Fresno, Bakersfield, Riverside/San Bernardino). Inland markets often provide better cash flow while coastal areas offer stronger appreciation potential.

Can I compete against all-cash offers in California's Bay Area and Los Angeles markets?

Yes. California's coastal metros routinely see 10-plus offers on well-priced rentals, most of them all-cash or heavily conventional-financed. Our same-day term sheet and 13-day close let you write an offer that reads like cash to a listing agent — no appraisal contingency delays, no 45-day conventional timeline, and no income-doc conditions that fall apart in underwriting.

San Francisco skyline with Golden Gate Bridge during golden hour

California Investment Property Loans

Financing for California real estate investors. Rental, commercial, and bridge loans with same-day approval and 13-day closings.

Rental, Commercial & Bridge Loans

We Underwrite the Property, Not Its Income

75% LTV, up to 90% CLTV with Seller Carry

Same-Day Approval Available

Close in 8–13 Business Days

Have a deal in mind? You bring the deal - we'll tell you if it fits.

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.

250+ California investor deals closed

Loans Closed

0 yrs

Track Record

0 days

Avg. Close

Max CLTV

Member & Affiliated American Association of Private Lenders

Florida Association of Mortgage Professionals

California-focused asset lending since 2001. We know this market.

California Investment Property Financing

Financing That Moves as Fast as You Do

We finance California investment properties without the red tape.

30-Year Fixed & Bridge Options

Rental & Bridge Loans

1-5 Unit Residential Properties

NO DSCR required or income verification

No tax returns required

Close in 8–13 business days

Loan amounts: $100K – $5M

Up to 90% CLTV (purchase) | 70% LTV (cash-out)

30-year fixed & bridge options available

Property Types

Single-family homes, duplexes, triplexes, fourplexes, small multifamily

Flexible Commercial Terms

Commercial & Mixed-Use

1-5 Unit Properties

Mixed-use buildings with residential units

Retail, office, industrial properties

NO DSCR required on qualifying properties

Loan amounts: $100K – $5M

70% LTV (cash-out) | 90% CLTV (purchase)

13-day closings

Flexible deal terms

Property Types

Mixed-use buildings, retail spaces, office buildings, industrial properties

Simple Documentation

Required Documents

Purchase contract or current mortgage statement

Photo ID

Corporate docs (if held in entity)

Property insurance (at closing)

That's it. No Tax Returns, No Bank Statements, No Employment Verification

Seller Carry Allowed: Up to 90% CLTVBring 10% down. Seller carries a second. Most lenders won't touch this.

You've Probably Been Through This Before

Boxes to check. Ratios to hit. And somewhere along the way, the deal just... stalls.

What You've Probably Heard

"California properties are overpriced for our criteria"
"We need a higher credit score"
"Send us two years of tax returns"
"The regulatory requirements slow everything down"
"We can't move forward right now"

How We Look at It

We start with the property itself
Credit history doesn't disqualify you
No tax returns or bank statements needed
You'll hear back within an hour
We navigate California's regulatory landscape
A clear answer, either way

Cut through the noise. Send us your California deal.

Recently Closed in California

San Diego, CA – Investment Property Purchase

$1,150,000

Purchase Price

$862,000

Loan Amount

12 days

Closed in

680

Credit Score

Multifamily acquisition

Asset-based approval only

Direct lender, no middlemen

📝 Want to see what your loan would look like? Get a same-day term sheet tailored to your California property.

Frequently Asked Questions - California Investment Property Loans

Have more questions about California investment property financing?

Cities We Serve in California

Explore city-specific lending information and local market insights for top investment markets across California.

Los Angeles Investment Property Loans

California

San Diego Investment Property Loans

California

San Jose Investment Property Loans

California

Sacramento Investment Property Loans

California

Don't see your city? We lend throughout California.Contact us to discuss your specific market.

Loan Programs for California Investors

Choose the program that matches the property and financing need.

Rental Property Loans

Purchase or refinance eligible non-owner-occupied 1–4 unit rental properties.

View loan program →

Bridge Loans

Short-term financing for purchases, refinances, and maturing investment-property debt.

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Multifamily Loans

Purchase or refinance eligible apartment properties with five or more units.

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Commercial Property Loans

Financing for eligible office, retail, mixed-use, industrial, and warehouse properties.

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Ready to Finance Your California Property?

Whether you are purchasing or refinancing, we will give you a clear answer fast. No runaround, no paperwork overload. Just investor-focused financing that works.

Specialized financing solutions for California real estate investors seeking fast, flexible funding options. Expert California market knowledge since 2001.

🏠 California Rental Loans →🌉 California Bridge Loans →🏢 California Commercial Loans →🌍 Foreign National California Loans →

Serving California investors in: Los Angeles, Long Beach, Pasadena, Glendale, Burbank, Inglewood, San Francisco, Oakland, San Jose, Fremont, Hayward, Sacramento, Elk Grove, Roseville, San Diego, Chula Vista, Oceanside, Escondido, Riverside, San Bernardino, Ontario, Rancho Cucamonga, Fresno, Bakersfield, Stockton, Modesto, Visalia, Santa Barbara, Ventura, Oxnard, Palm Springs, Temecula, Murrieta, Irvine, Anaheim, Santa Ana

Specialized California markets: Silicon Valley rental property loans | Hollywood Hills investment financing | San Diego biotech corridor properties | Napa Valley vacation rental loans | LA entertainment industry housing

Note: Loan terms, rates, and availability subject to underwriting approval and may vary by California location. Loans made in accordance with California Department of Financial Protection and Innovation regulations.