Real Estate Financing California

Real Estate Loans in California – Flexible Financing for Every Buyer & Investor

California’s real estate market is one of the most dynamic and competitive in the country, and securing the right real estate loan in California can make all the difference. Whether you’re an investor seeking rental property loans in Southern California, a house flipper in need of fix-and-flip financing, or a first-time homebuyer searching for the perfect mortgage, we have lending solutions tailored to your needs. At Deal Street Capital, we provide investment loans, DSCR loans, bridge loans, and hard money loans to help borrowers seize opportunities and grow their portfolios. Our deep knowledge of the California real estate market ensures that you get the most competitive rates and terms, whether you’re purchasing a single-family home, a multi-unit property, or a luxury estate.

The key to success in California real estate investing is access to fast, flexible financing, and that’s exactly what we offer. Our fix-and-flip loans allow investors to acquire distressed properties, renovate them, and sell for profit, while our DSCR rental property loans make it easy to qualify for financing based on rental income rather than personal income. For developers and builders, our new construction loans provide the capital necessary to bring residential and multifamily projects to life. And for those who need short-term financing, our bridge loans and hard money loans deliver quick funding without the hassle of traditional lending.

Investors in Southern California real estate know that the market moves fast, and waiting on slow approvals from big banks can mean missing out on prime opportunities. That’s why our real estate loans in California are designed for quick approvals, minimal paperwork, and investor-friendly terms. Whether you’re purchasing a property in Los Angeles, flipping a home in Orange County, or expanding your rental portfolio in San Diego, we provide financing solutions that fit your investment strategy. Our streamlined lending process ensures that you can close quickly, compete with cash buyers, and maximize your returns.

For those building long-term wealth through rental properties, our DSCR loans in California offer a powerful solution. These investment property loans are based on a property’s rental income rather than the borrower’s personal financials, making them ideal for investors with multiple properties or self-employed borrowers. Whether you’re acquiring a single-family home, a duplex, or an entire portfolio of units, our rental property loans provide high loan-to-value ratios, competitive interest rates, and no personal income verification.

California’s luxury real estate market also presents unique financing needs, and we offer jumbo loans and non-QM mortgages for high-net-worth borrowers. If you’re purchasing a high-value property in Beverly Hills, San Francisco, or Newport Beach, our jumbo mortgage loans provide flexible underwriting, high loan amounts, and interest-only options to accommodate complex financial situations. For self-employed professionals, business owners, and foreign nationals, our bank statement loans and asset-based loans provide alternative qualification methods that traditional lenders simply can’t match.

For real estate investors looking to scale, our BRRRR strategy loans provide an efficient way to grow a portfolio. By allowing investors to buy, rehab, rent, refinance, and repeat, our financing solutions ensure that you can recycle your capital and continue acquiring new properties. Whether you’re flipping distressed homes in Sacramento, purchasing short-term rental properties in Palm Springs, or investing in high-demand areas like San Diego and Los Angeles, our California investment loans are designed to support every stage of your strategy.

New construction in California continues to thrive, and our new construction loans provide developers with the funds needed to build custom homes, spec houses, and multi-unit developments. Whether you’re working on a single luxury home or an entire residential community, our financing options offer high leverage, flexible draw schedules, and competitive rates to help bring your projects to life.

For borrowers in need of short-term financing solutions, our bridge loans and hard money loans in California provide fast capital for time-sensitive transactions. Whether you need a hard money loan in Southern California to purchase a distressed property or a bridge loan in the Bay Area to secure a new investment while waiting on long-term financing, we provide the speed and flexibility that real estate investors need to stay competitive.

At Deal Street Capital, we are committed to providing high-quality real estate loans in California with an emphasis on speed, affordability, and investor-focused lending solutions. Our extensive network, market expertise, and dedication to customer service set us apart from traditional lenders. Whether you need a DSCR loan, fix-and-flip financing, a bridge loan, or a new construction loan, we have the resources and expertise to help you succeed in California’s fast-moving real estate market.

If you’re ready to secure financing for your next real estate investment in California, our team is here to help. With a wide range of loan programs tailored for investors, homebuyers, developers, and business owners, we make securing capital easy and efficient. Contact us today to explore our real estate loan options in Southern California and beyond and take the next step toward achieving your investment goals.

California Investment Property Loans

California’s real estate market is one of the most competitive and rewarding in the nation, offering opportunities ranging from flips in suburban neighborhoods to luxury rentals and large-scale multifamily developments. Whether you’re rehabbing a bungalow in San Diego, scaling a rental portfolio in the Inland Empire, or developing mixed-use buildings in Los Angeles or San Francisco, Deal Street Capital provides investor-focused financing to help you succeed.

We specialize in California real estate investment loans that are fast, flexible, and asset-based—fix and flip loans, DSCR rental loans, construction loans, and commercial property financing. With no traditional income verification, competitive rates, and quick closings, we make it easier for California investors to secure funding and scale quickly in one of the most dynamic markets in the world.

Real Estate Investment Loans in California – Fast, Flexible Financing for Every Investor

From coastal cities to inland suburbs, California is a hotbed for real estate investment. With sky-high demand for housing, steady appreciation, and strong rental markets, the right financing is essential for investors to move quickly and close with confidence. Whether you’re flipping homes in Sacramento, refinancing a portfolio in Riverside, or breaking ground on a new build in Orange County, Deal Street Capital provides the speed and flexibility California investors need. Our loans are designed for real estate entrepreneurs—not traditional homebuyers—so you get funding based on the value of the deal, not your personal income.

Fix and Flip Loans for California Investors

Flipping homes in California requires speed, precision, and reliable capital. From entry-level rehabs in Bakersfield to high-end flips in the Bay Area, our fix and flip loans are built to help investors purchase, renovate, and resell with minimal friction. We offer fast approvals, flexible draw schedules, and funding based on the ARV (after-repair value), so you can get in and out of projects with maximum leverage and ROI. California’s fast-moving market rewards those who act quickly—our fix and flip financing helps you stay competitive.

DSCR Loans for Rental Properties in California

For long-term rental investors in California, DSCR (Debt Service Coverage Ratio) loans are the key to scaling. Instead of focusing on your tax returns or W-2s, these loans are based on the property’s rental income, making them perfect for BRRRR investors and portfolio builders. Whether you’re purchasing a duplex in San Diego, refinancing a 4-unit in Fresno, or acquiring short-term rentals in Joshua Tree, DSCR loans offer flexible, low-doc financing that grows with you.

Commercial and Multifamily Real Estate Loans

California’s demand for rental housing, office space, and mixed-use development continues to grow. Whether you’re acquiring an apartment complex in Los Angeles, a retail strip in Ventura, or a mixed-use project in Oakland, our commercial loans offer the leverage and terms you need to execute. Deal Street Capital provides financing for stabilized and value-add properties, offering competitive rates and high loan-to-value options to help you maximize your return on investment.

New Construction and Development Loans

California builders face some of the highest demand—and toughest permitting environments—in the country. That’s why our new construction loans are designed to support experienced developers and first-time builders alike. From ground-up spec homes in Temecula to townhome developments in Sacramento, our loans feature interest-only payments during construction, structured draws, and a smooth funding process to keep your projects on track.

Private and Hard Money Loans for California Investors

When conventional lenders slow you down, Deal Street Capital steps in with fast, asset-based hard money loans. Perfect for unique or time-sensitive deals, our hard money loans help you close quickly and with minimal documentation. Whether you’re flipping in San Bernardino, buying off-market in Long Beach, or seizing an auction opportunity in Modesto, we provide the speed and flexibility you need to compete in California’s high-stakes real estate market.

California Home Loan Refinancing

Lower your rate, access equity, or reset your mortgage terms—refinancing in California has never been easier. Whether you’re in Los Angeles, Sacramento, or San Diego, we offer fast, flexible refinance options to help homeowners reduce monthly payments, tap into home equity, or consolidate debt. Get competitive rates and streamlined approvals from a California-based team that understands your market.

California Home Equity Loans

Leverage the equity in your home without selling. Our California home equity loans allow you to unlock cash from your property to fund renovations, investments, or life’s big expenses. Whether you’re in Orange County or the Central Valley, we provide quick access to your equity with flexible terms and competitive rates.

Reverse Mortgages in California

Enjoy retirement on your terms with a California reverse mortgage. If you’re 62 or older and own your home, a reverse mortgage can help you access tax-free cash while continuing to live in your home. From the Bay Area to Palm Springs, we help seniors use their home equity for financial freedom and peace of mind.

California Jumbo Loans

Buying high-value property in California? We’ve got jumbo loans to match. From luxury homes in Beverly Hills to oceanfront properties in Santa Cruz, our California jumbo loans offer high loan limits, competitive rates, and custom solutions to fit your financial picture—whether you’re self-employed or W-2.

Primary Residence Home Loans in California

Looking to buy a home in California? We offer smart, personalized mortgage solutions for every buyer. Whether you’re purchasing your first home in Riverside or upgrading to a new build in the Bay Area, our primary residence home loans provide straightforward financing, fast pre-approvals, and guidance every step of the way.

Low-Income Home Loans in California

Affordable financing options to help you achieve homeownership in California. We offer a range of low-income home loan programs, including FHA, CalHFA, and down payment assistance programs, to help first-time buyers get into homes with less cash upfront and more confidence.

California Non-QM Loans

When traditional lenders say no, our California Non-QM loans say yes. Perfect for self-employed borrowers, investors, or those with complex financials, Non-QM loans provide flexible underwriting based on real-world income—not rigid rules. No tax returns? No problem. We offer bank statement loans, asset depletion, and other solutions designed for unique borrowers.