Built for
the asset.
Not the W-2.
Wexmoor Circle is a California-based DSCR loan and construction-to-DSCR lender built for investors who generate wealth through assets — not W-2s.
We structure finance, construction, and supply in one connected platform so every stage of your investment cycle has a dedicated solution — without handoffs, gaps, or surprises.
Why we
built this.
California's most active real estate investors kept hitting the same wall. They owned income-producing assets, strong portfolios, and a clear track record — but conventional lenders kept asking for W-2s, tax returns, and income documentation that told the wrong story.
DSCR loans changed the math. A property that services its own debt should qualify on that basis — not on the borrower's employment status. But the market was fragmented: too many lenders with inconsistent overlays, slow timelines, and no ability to handle edge cases like short-term rentals, asset depletion, or no-ratio scenarios.
Wexmoor Circle was built to fix that. We connected to 30+ wholesale lenders, built a full DSCR product family covering every California scenario, and structured our process so that a deal moves from intake to close in 3–4 weeks — not months.
Then we expanded the platform. Because financing a property is only one part of building a portfolio. Build covers construction-to-DSCR bridge programs for ADU, multifamily, and mixed-use projects. LoopLine closes the last mile: just-in-time material procurement for active construction sites — procuring, containerizing, and delivering materials matched exactly to your design spec.
One platform. Every stage. No gaps.
Not income.
If the property services its own debt, the deal should move forward — regardless of W-2s, tax returns, or employment status. We structure every program around that principle.
competitive edge.
3–4 weeks from intake to close on stabilized DSCR. Our process is built around 30+ wholesale lenders, parallel processing, and a deal review that happens before any lender sees your file.
connects.
Finance, build, supply, refi — these aren't separate transactions. They're one investment lifecycle. Wexmoor Circle is structured so each stage sets up the next one cleanly.
People behind
every deal.
Commercial Lending Director
Structures complex DSCR and construction bridge scenarios across California. Manages 30+ wholesale lender relationships to ensure every file reaches the right capital stack at the right terms.
Mortgage Programs
Leads mortgage operations from pipeline to close. Manages every condition, appraisal, and lender communication so deals don't stall in underwriting. Specialist in DSCR program navigation, exception handling, and divorce-related lending scenarios.
& Development
Wexmoor's nominated general contractor for build projects. 10+ years executing ADU, multifamily, and mixed-use construction across California. Oversees owner-builder LLC structures and construction-to-DSCR exit mapping.
Processor
Manages loan processing, pipeline coordination, and borrower communication from application through close. Available to answer program questions and schedule calls with the lending team.
One platform.
Every stage of the
investment lifecycle.
Off-market properties with upside. SFR primed for ADU or development.
ActiveDSCR full family + construction bridge. 30+ lenders. Close in 3–4 weeks.
ActiveLicensed GC (CSLB #1007518). ADU, multifamily, mixed-use. On schedule.
ActiveLoopLine: JIT construction supply chain. Design-matched materials.
ActiveDSCR cash-out refi pulls equity to fund the next acquisition.
Active