Finance · California
Investment property financing in California.
DSCR, construction and bridge loans for investors. Business purpose only. We read the file before you pay for the appraisal.
Three loans
Buy, build, hold.
DSCR loans
A rental judged on its rent, not your income. We run the ratio before the appraisal.
DSCR loans →
Construction loans
Ground up, 1 to 10 units. We read the city before you buy the land.
Construction loans →
Bridge loans
Buy before the long loan: a fix and flip, a lot, a rental. We read the scope and the exit.
Bridge loans →One property, three loans
Each loan hands over to the next.
- Buy: bridge loanA short loan to buy and renovate, or to buy a lot. Bridge loans.
- Build: construction loanPays the build in stages, against inspection. Construction loans.
- Hold: DSCR loanLong-term, judged on the rent. DSCR loans.
The boundary
Said before you ask.
You get the answer in a day, not after six weeks and an appraisal fee.
- Investment propertyBusiness purpose, held for income or for sale.
- CaliforniaOne to ten units, residential.
- Title in an LLCOr in your own name. Either works.
- A file another lender declinedBring the reason. Often it is fixable.
- Not a home you live inThat is consumer credit and a different licence. Second homes too.
- Not a build already startedLien priority is compromised. Declined by everyone.
Questions
What investors ask first.
What is a business-purpose loan?
A loan on property you hold for income or for sale, not a home you live in. DSCR, construction and bridge loans here are all business purpose.
Do you work on a home I live in?
No. That is consumer credit and a different licence. We refer it out.
Do you charge to look at the file?
No. Reading the documents and running the numbers happens before anything is ordered and before anything is owed.
Where do you work?
California, one to ten units.
General information, not legal or tax advice.
Send one property.
You get the number, the gap and the answer. No application, no credit pull, no fee.
Wexmoor Circle LLC · NMLS #2841970 · Equal Housing Opportunity. Business-purpose loans on investment property in California. Information only, not a commitment to lend.
