California Investment Property Loans
★ ★ ★ ★ ★
- 5-Star Rated Mortgage Broker
- Portfolio Loans for Rental Property & Refinancing
- Portfolio Rental Loans & Refinancing
- Residential and Commercial Loans
- Our office is conveniently located in Los Angeles
What type of property are you refinancing?
Single Family
Multifamily
Condominium
Townhouse
How will this property be used?
Primary Residence
Vacation Home
Investment Property
Estimate credit score
Excellent 770+
Good 660-719
Avg. 620-659
Below avg. 580-619
Poor <579
What type of property are you purchasing?
Single Family
Multifamily
Condominium
Townhouse
Are you a first-time home buyer?
Yes
No
How will this property be used?
Primary Residence
Vacation Home
Investment Property
Estimate credit score
Excellent 770+
Good 660-719
Avg. 620-659
Below avg. 580-619
Poor <579
Final Step
By clicking "Get My Quote" you certify that you read and completely agree with the Privacy Policy
Summary
| Description | Information | Quantity | Price |
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| Discount : | |||
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California Investment Property Loans
★ ★ ★ ★ ★
- 5-Star Rated Mortgage Broker
- Residential, Commercial & Portfolio Loans
- Portfolio Rental Loans & Refinancing
- Residential and Commercial Loans
- Los Angeles Based
Irina Dyakun, CEO
What type of property are you refinancing?
Single Family
Multifamily
Condominium
Townhouse
How will this property be used?
Primary Residence
Vacation Home
Investment Property
Estimate credit score
Excellent 770+
Good 660-719
Avg. 620-659
Below avg. 580-619
Poor <579
What type of property are you purchasing?
Single Family
Multifamily
Condominium
Townhouse
Are you a first-time home buyer?
Yes
No
How will this property be used?
Primary Residence
Vacation Home
Investment Property
Estimate credit score
Excellent 770+
Good 660-719
Avg. 620-659
Below avg. 580-619
Poor <579
Final Step
By clicking "Get My Quote" you certify that you read and completely agree with the Privacy Policy
Summary
| Description | Information | Quantity | Price |
|---|---|---|---|
| Discount : | |||
| Total : | |||
Why Invest in California Real Estate?
Looking for a location for your investment property purchase? California represents a dynamic market for Investment Property Loans, offering investors substantial long-term growth and stability. The most attractive investment property cities are Los Angeles, Ventura, Pasadena, Santa Barbara, Big Bear Lake, Riverside, Long Beach, Huntington Beach, Oakland, San Jose, and Santa Clara. We specialize in Real Estate Investment Loans and will guide you through the acquisition process.
New Opportunities
Employment opportunities are growing, more people are moving in and are looking for a place to live.
Always in Trend
A high number of renters means your property will be in high demand.
Reasonable Regulations
California has reasonable regulations regarding real estate investments and low property taxes.
Best Price-to-Rent
According to research, California has the best price-to-rent ratio.
What is a Private Investor Loan?
A private investor loan is a financing option designed for real estate investors who want to purchase rental properties without relying on traditional mortgage requirements. These loans offer flexibility and faster approvals, making them ideal for investors looking to expand their portfolios.
Inflation drives rental rates upward while your fixed-rate Loans for Rental Property payments remain constant, increasing your cash flow. What this means is that your cash flow will increase. And when you pay off your loan, your cash flow will grow even more.
Have Questions? Reach us out.
In-Person at LA Office
1810 W Burbank Blvd #150, Burbank, CA 91506
Cell-phone
M-F 10 AM-5 PM (PST)
On-line
Simply e-mail or use online-chat
Types of Loans for Investors
Conventional Home Loans
For purchasing a standard rental unit, a conventional fixed-rate Investment Property Loan is often the optimal choice. Learn more.
Hard Money Loans
Another option is a private money loan or hard money loan on your property. We offer hard money Real Estate Investment Loans secured by assets to guarantee fast, efficient closings. Often used for fix-and-flip or rehab projects, with terms of 12–36 months. Learn more.
Mortgage Refinance
Refinancing from an adjustable to a fixed rate allows you to secure stable terms or lower your Current Investment Property Mortgage. You can also do the cash-out refinance and get money for home improvements.
How to Get an Investment Property Loan?
Here are the steps you need to take to get a real estate investor loan in California:
Step 1 - Identify specialized Investment Property Lenders
Partnering with the right Investment Property Lenders is critical to your portfolio’s success.
Step 2 - Make sure you have enough finances
Lenders typically verify six months of liquid reserves and a sufficient Down Payment for Investment Property. If you own a primary residence, then you need to have money in the bank both for your current home and your future rental.
Step 3 - Apply for a loan
When you have selected the loan program that you feel comfortable with, you need to fill out a loan application. Also, you will have to provide a lender with your personal information such as your name, address, employment information, and Social Security number.
Step 4 - Verification of your application
The lender will check your credit score and verify all the information you provided in your application. The lender will also evaluate your income to make sure you can pay both for your primary house and investment property.
Step 5 - Making a down payment
While some programs allow 15% down, we recommend a 25% Down Payment for Investment Property to secure better interest rates and terms.
Apply for an Investment Property Loan in California
Financing an investment property can be complex, but with the right mortgage strategy, you can maximize your return while minimizing risks.
We save you time and capital by securing competitive Current Investment Property Mortgage Rates and managing the documentation process. Our experienced professionals will walk you through the loan process, ensuring you make the best financial decisions.
California Investment Property Loans FAQ
What distinguishes an investment property loan from a primary residence mortgage?
An investment property loan finances real estate intended for rental income or resale profit. These loans usually require 20–30% down, higher credit scores, and have slightly higher interest rates due to the added risk of non-owner-occupied properties.
How much of a down payment is needed for a California investment property loan?
Most lenders require at least 20% down, though 25–30% may be needed for multi-unit properties. A larger down payment can improve your rate and lower long-term costs.
What loan options are available for financing investment properties?
- Conventional loans: Common choice with competitive rates for strong-credit borrowers.
- FHA loans: Possible if you live in one unit of a multi-unit property.
- Portfolio loans: Offered by lenders who keep loans in-house, allowing flexible terms.
- Hard money loans: Short-term options for fast purchases or rehab projects, with higher rates.
- DSCR loans: Based on property cash flow rather than personal income.
What credit score is required to qualify for an investment property loan in California?
- 700+ – Best rates and terms.
- 620–699 – Possible approval with higher rates.
- Below 620 – Not eligible for conventional loans; consider hard money or portfolio options.
Can I include rental income when applying for an investment property loan?
Yes. Lenders typically count up to 75% of projected or verified rental income toward qualifying. They may request:
- A rental appraisal (Form 1007) for projections.
- Schedule E tax returns for existing rentals.
A strong rental history can boost approval chances and improve loan terms.
Is it advisable to form an LLC for purchasing investment properties?
An LLC can protect personal assets and offer tax benefits, but may bring higher rates or stricter loan terms.
Pros: Liability protection, privacy, and easier partner ownership.
Cons: Possible personal guarantees, business-rate loans, and extra compliance costs.
How do interest rates for investment property loans compare to primary residence loans?
Current Investment Property Mortgage Rates are typically 0.5% to 1% higher than primary residence loans. A strong credit score, larger down payment, and solid rental income can help you secure better terms.
What are common challenges in obtaining California investment property loans?
- Higher credit & down payment requirements → Improve credit and save more upfront.
- Higher interest rates → Maintain a low DTI and stable income.
- Rental income verification → Provide rental appraisals or proof of market demand.
- Choosing the right loan → Work with an experienced mortgage broker to compare conventional, DSCR, or hard money loans.
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