Your main options
DSCR loans. Qualify using the property's rent instead of your personal income. Popular with self-employed investors and anyone who owns several rentals. Learn about DSCR loans
Conventional investment loans. Use your personal income and tax returns. Often a good fit if your returns show strong income.
Jumbo investment loans. For properties priced above conforming loan limits, common in coastal Orange County and parts of Los Angeles.
Local costs to plan for
- Property taxes, including possible supplemental tax bills after purchase
- HOA dues on condos and townhomes
- Higher insurance costs in coastal and wildfire areas
- Rent that supports the full payment
Beyond Southern California
We also finance investment properties in Arizona, Colorado, Florida, and Texas.
Frequently asked questions
Can I buy in an LLC?
Often, yes, with some programs.
Can I buy a 2-4 unit property?
Yes. Let us know the number of units and current rents.