Investment lending plays by different rules — different down payments, rate adjustments, and how rental income counts toward qualifying. I help OC investors finance single-family rentals, condos, duplexes, and multi-unit properties with a structure that protects your cash flow and your long-term strategy. Whether it’s your first door or your tenth, we’ll make sure the numbers actually work.
High-balance conforming loans up to $1,249,125 (lower-cost path before jumbo)
True jumbo financing above $1,249,125
Strategy to optimize down payment, rate, and loan structure
Specialized jumbo underwriting and appraisal management
Who it’s for: New and experienced investors building rental income in Southern California.
Imagine $60,000 spread across credit cards and a line of credit at an average 22% interest. The minimum payments alone can run well over $1,500 a month — and most of it never touches the principal. Folded into a refinance at a typical mortgage rate, that same balance can cost a few hundred dollars a month instead, freeing up cash flow immediately.
Replace your current mortgage with a new, larger one (up to 80% of your home’s value) and use the difference to clear your debts.
Flexible, revolving access to your equity — pay down and re-borrow as needed.
Keep your great first-mortgage rate untouched and add a separate loan against your equity — useful when breaking your current term isn’t worth it.
Buying the building your business operates from, refinancing commercial space, or financing a mixed-use property? Commercial lending runs on different rules — lenders weigh the property’s income, your business performance, and the asset itself. We package your file to present all three at their strongest.
Through a refinance you can typically access up to 80% of your home’s appraised value, less your current mortgage balance.
Most clients see their credit improve over time, because high-interest balances are paid off and replaced with one manageable, on-time payment.
Often, yes. With enough home equity, we have lenders who focus on the equity and your repayment plan rather than the score alone.
