California Investment Property Loans
FundNow Capital is a direct private lender for California real estate investors. DSCR rental loans, fix & flip, BRRRR, bridge and ground-up construction — funded on the property, not your tax returns.
California DSCR Rental Loans
Rates starting at 6.49%
- Qualify on rent, not tax returns
- Up to 80% LTV
- 30-year fixed, interest-only options
- Short-term rental income accepted
California Fix & Flip Loans
Rates starting at 9.25%
- Up to 90% of purchase + 100% of rehab
- 12-month interest-only
- Fast rehab draw reimbursements
- First-time flippers considered
California New Construction
Rates starting at 9.99%
- Ground-up single family and small multi
- Up to 90% LTC
- Experienced builder pricing
- Roll into a DSCR exit
Rates shown are starting estimates for well-qualified investors, change daily, and are not a commitment to lend. Final pricing depends on credit, experience, leverage, and property.
Private lending built for California investors
FundNow Capital works with California real estate investors at every experience level — from a first duplex to a 40-door portfolio. High values mean larger loan sizes — our investors use bridge and fix & flip capital to move fast in competitive Southern California and Central Valley markets.
Whether you are running the BRRRR method, flipping houses, buying short-term rentals, or refinancing equity out of a stabilized rental, we underwrite the deal in-house and give you a straight answer fast. No W2s, no tax returns, no committee runaround.
Top California markets we fund
We lend statewide in California, including these active investor markets.
Why investors choose FundNow Capital in California
Speed that wins deals
Term sheet same day, and California closings in as little as 7 days when title cooperates.
No income documentation
We qualify the property. No tax returns, no W2s, no DTI calculations.
Every investor strategy
Flips, BRRRR, short-term rentals, portfolios, ground-up construction and cash-out refinances.
Leverage that pencils
Up to 90% of purchase plus 100% of rehab, and up to 80% LTV on stabilized rentals.
Out-of-state friendly
You do not need to live in California. Foreign national programs available.
One lender, full cycle
Buy with hard money, renovate, then refinance into a DSCR loan without changing lenders.
Representative California scenarios
Illustrative examples of the structures we fund. Not actual transactions or an offer to lend.
Los Angeles single family, $210,000 purchase with a $55,000 rehab. Financed 90% of purchase and 100% of rehab on a 12-month interest-only bridge.
San Diego rental refinanced at 75% LTV on a 30-year fixed. Qualified purely on lease income with a 1.21 coverage ratio.
Sacramento duplex bought with hard money, rehabbed in 90 days, then refinanced into a DSCR loan pulling most of the original cash back out.
California investment property loan FAQs
What kinds of investment property loans does FundNow Capital offer in California?
We fund DSCR rental loans, fix & flip and rehab loans, BRRRR financing, bridge loans, ground-up construction and rental portfolio loans on California investment property. All programs are for business-purpose, non-owner-occupied real estate.
Do I need tax returns or W2s to get an investment property loan in California?
No. Our California DSCR and hard money programs qualify on the property — projected or actual rent for rentals, and the deal's cost basis and after-repair value for rehab loans. No personal income documentation is required.
Can out-of-state or foreign national investors borrow in California?
Yes. We regularly fund out-of-state investors and foreign nationals buying in California. There is no requirement to live in the state where the property is located.
How fast can you close in California?
Hard money and bridge loans in California typically close in 7–14 days. DSCR rental loans typically close in 15–21 days depending on appraisal and title turn times.
What credit score do I need for a California investment property loan?
Most California investors qualify with a 660+ FICO. Higher scores unlock better leverage and pricing. We do review lower-score scenarios with strong equity or experience.
Do you lend on short-term rentals in California?
Yes. We underwrite Airbnb and VRBO properties in California using short-term rental income data, and we can also qualify on long-term market rent if that produces a stronger ratio.
More California lending resources
Ready to fund your next California deal?
Send us the address and the numbers. You will have terms back the same business day.