Financing Solutions Built for Real Estate Investors.
Whether you're buying your first rental property or expanding a growing portfolio, we'll help you structure financing strategies designed around your investment goals.
- Licensed MLO
- California Investors
- English & Español
- Fast Closings
Who We Help
Built for every stage of the investor journey
From your first rental to your fiftieth door, the right financing depends on how you invest. Here's where we add the most value.
First-Time Rental Investors
Buying your first cash-flowing rental with confidence.
Buy-and-Hold Investors
Scaling a long-term rental portfolio for cash flow and appreciation.
BRRRR Investors
Recycling capital deal after deal with strategic refinances.
Short-Term Rental Investors
Financing Airbnb, VRBO, and vacation properties.
Fix-and-Flip Investors
Acquisition + rehab capital with fast close timelines.
Portfolio Investors
Multi-property strategies and portfolio-level financing.
LLC Investors
Holding title in an entity with the right loan structure.
Foreign National Investors
US property financing without US credit or tax returns.
Strategies
Financing Strategies Designed Around How You Invest
Pick the path that matches your goal. We'll structure the financing to fit.
Buy & Hold
Build long-term wealth through cash-flowing rentals across California's strongest rental markets.
Discuss this strategyBRRRR
Buy, Rehab, Rent, Refinance, Repeat. Recycle your capital and scale faster.
Discuss this strategyShort-Term Rentals
Finance Airbnb and vacation rentals using projected or trailing market income.
Discuss this strategyFix & Flip
Acquire, renovate, and sell. Acquisition + rehab capital with fast close timelines.
Discuss this strategyPortfolio Growth
Expand from one property to many with portfolio-level strategy and structure.
Discuss this strategyLoan Programs
Investment Loan Programs
Programs subject to qualification and underwriting guidelines. Rates and terms vary by scenario.
DSCR Loans
Ideal for: Investors who want to qualify off rental income, not tax returns.
- No personal income docs
- LLC title allowed
- Interest-only options
Use case · Buy-and-hold and STR purchases or refinances.
Discuss This StrategyConventional Investment Loans
Ideal for: W-2 or self-employed borrowers with strong tax returns.
- Lowest available rates
- 30-yr fixed
- Up to 10 financed properties
Use case · Primary, second, or investment property with full income docs.
Discuss This StrategyLLC Investment Loans
Ideal for: Investors holding title through an LLC for liability or estate planning.
- Close in entity name
- Asset protection
- Flexible structures
Use case · Portfolio investors and asset-protection strategies.
Discuss This StrategyCash-Out Refinance
Ideal for: Owners of properties with trapped equity ready to redeploy.
- Recapture down payment
- Fund next acquisition
- Consolidate debt
Use case · BRRRR refis, scaling, and capital recycling.
Discuss This StrategyFix-and-Flip Financing
Ideal for: Active flippers needing acquisition + rehab capital.
- Fast close (7–14 days)
- Rehab funds included
- Interest-only
Use case · Short-term value-add projects.
Discuss This StrategyShort-Term Rental Loans
Ideal for: Airbnb and vacation rental operators.
- Qualifies on STR income
- AirDNA data accepted
- LLC eligible
Use case · Vacation markets and STR-friendly cities.
Discuss This StrategyForeign National Loans
Ideal for: Non-US citizens investing in US real estate.
- No US credit required
- No US tax returns
- LLC title
Use case · International investors buying in California.
Discuss This StrategyInterest-Only Options
Ideal for: Investors prioritizing early-year cash flow.
- Lower payments years 1–10
- Improves DSCR
- Pairs with DSCR loans
Use case · Maximizing monthly cash flow.
Discuss This StrategyCompare
Which Financing Option Fits Your Strategy?
Side-by-side at a glance. Final structure depends on your scenario.
| Feature | DSCR | Conventional | Fix & Flip |
|---|---|---|---|
| Tax Returns Required | No | Yes | No |
| Personal Income Required | No | Yes | No |
| LLC Eligibility | Yes | Limited | Yes |
| Minimum Down Payment | 15–25% | 20–25% | 10–20% + rehab |
| Typical Closing Speed | 3–4 weeks | 25–35 days | 7–14 days |
| Interest-Only Available | Yes | Rare | Yes |
| Designed For | Buy & hold, STR | Full-doc buyers | Value-add projects |
Calculators
Investor Calculators
Quick scenario tools to pressure-test a deal. Full interactive versions coming soon — for now, send your numbers and we'll run them with you.
DSCR Calculator
See if your deal hits the qualifying ratio.
Want help structuring this scenario?
Schedule a strategy callCash Flow Calculator
Project monthly cash flow and cash-on-cash return.
Want help structuring this scenario?
Schedule a strategy callBRRRR Calculator
Estimate refinance proceeds and recaptured capital.
Want help structuring this scenario?
Schedule a strategy callCase Studies
Real Financing Scenarios
How real California investors solved tough financing puzzles.
Self-employed investor closes without tax returns
- Goal
- Purchase a rental without using tax returns.
- Challenge
- Self-employed borrower with significant write-offs.
- Solution
- DSCR financing qualified off the property's lease.
- Outcome
- Closed in under 30 days using rental income.
Pulling equity to fund the next acquisition
- Goal
- Pull equity to fund the next investment.
- Challenge
- Needed capital quickly to compete on a new deal.
- Solution
- Cash-out refinance on an existing rental.
- Outcome
- Used proceeds to acquire another cash-flowing property.
Scenarios are illustrative examples. Individual results vary and depend on credit, reserves, property, and program guidelines.
Investor Market Insights
Latest Investor Insights
Investor FAQ
Frequently Asked Questions
Clear answers to the questions California investors ask most.
Ready to Build Your Investment Strategy?
Let's discuss your goals and explore financing options designed around your next opportunity.
Book directly
Pick a time that works — confidential, no obligation.
Programs subject to qualification and underwriting guidelines. Rates, terms, and program availability subject to change without notice. Not a commitment to lend. Efren Sanchez · NMLS #2231576 · Company NMLS #1743443 · Equal Housing Opportunity.