California Investment Property Loans
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- 5-Star Rated Mortgage Broker
- Portfolio Loans & Refinancing for Rental Properties
- 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
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Summary
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Why Invest in California Real Estate?
Looking for a location for your investment property purchase? California is one of the most dynamic and rapidly growing real estate markets, making it an excellent choice for investors looking for 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 will help you decide on real estate investment in California and will gladly assist you during this process.
New Opportunities
Employment opportunities are growing, more people are moving in and are looking for a place to live.
Always in Trend
Reasonable Regulations
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.
With inflation, rent prices will rise while your mortgage payments will remain unchanged. 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
If you want to purchase a home as a rental property – a conventional fixed-rate home loan is your best option. Learn more.
Hard Money Loans
Another option is a private money loan or hard money loan on your property. Our company offers hard money loans for real estate investors that are secured by a property asset and can guarantee fast and stress-free closing. Often used for fix-and-flip or rehab projects, with terms of 12–36 months. Learn more.
Mortgage Refinance
If you want to change a loan program and thus lower your interest rate or down payment, then refinancing from an adjustable to a fixed rate is for you. 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 - Look for lenders that are investor-friendly
Finding the right lender is a big part of your investment plan, so don’t take this task lightly.
Step 2 - Make sure you have enough finances
Lenders will require a down payment and six-month liquid reserves. 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
With investment properties, you can put as low as 15% down, but we highly recommend to put 25%, to avoid higher interest rates and payments.
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 will help you save money, time, and lots of hustle while looking for the best lender and wondering whether your paperwork is intact. 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?
Rates for investment property loans are typically 0.5%–1% higher than for primary homes. 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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