Where We Lend
California Investment Property Loans
Flexible investment property loans in California are designed for real estate investors navigating California’s competitive, high-demand markets.
Why Invest in California Real Estate
California offers long-term investor appeal driven by economic scale, sustained housing demand, and diverse market opportunities across major metros and growth regions.
- Persistent demand with limited housing supply.
- Diverse markets from urban cores to coastal communities.
- One of the world’s largest economies.
A Trusted Partner for California Investors
LendingOne helps investors compete confidently with flexible investor property loans in California, transparent terms, and execution built for complex, fast-moving markets.
LendingOne brings deep experience across California markets, including the Bay Area, Los Angeles, and San Diego. We help investors navigate pricing, demand, and execution nuances across the state.
LendingOne delivers investor-focused terms, customized loan structures, and hands-on guidance. We help borrowers avoid rigid lending models while gaining a financing partner invested in long-term outcomes.
With efficient underwriting and proactive communication, LendingOne helps investors close faster in competitive California markets. Our closings reduce the friction commonly associated with traditional hard money lenders.
Investment Property Loans
in California
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Scale Your Rental Investments
DSCR Rental Loans
Grow your long-term rental properties with flexible DSCR Loans for new purchases, refinances, and cash-outs.
Key Features
- Options for negative cash flowing and break-even properties
- 90-day seasoning for cash-out refinances
- Complimentary 45-day rate lock
- Full point buy downs available
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Fund Your Purchase & Repairs
Fix and Flip Loans
Short-term financing up to 92.5% loan-to-cost (LTC) and 100% of rehab costs to purchase and repair, fix and flip properties.
Key Features
- Up to 92.5% LTC and 100% of rehab funds
- Expedited appraisals
- No interest charged on undrawn rehab funds
- 12-month interest only loans available with no prepayment penalties
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Expand Your BRRRR Strategy
Fix to Rent Loans
Up to 95% LTC and added discounts and rate reductions with Fix to Rent financing for every stage of the BRRRR strategy.
Key Features
- Up to a 95% LTC
- Up to a 0.5% interest rate reduction
- 50% discount on origination fees and a free appraisal when you refinance
- Cash-out options available
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Multiple Properties, One Loan
SFR Portfolio Loans
Build long-term wealth by consolidating multiple single-family rental properties into one flexible loan with one easy payment.
Key Features
- Consolidate up to 20 properties into one loan
- Lower fees with reduced interest rates
- Easier rental portfolio management
- Recourse and non-recourse options
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Finance Ground-Up Projects
New Construction Loans
New construction financing for investors, builders, and developers looking for up to 85% LTC on ground-up projects.
Key Features
- Up to a 90% LTC
- No reserves collected at closing
- No interest on undrawn construction funds
- 12- to 24-month term options
Speak with Your Local Lender Today!
Share a few details about your Texas deal in our form, and a LendingOne loan advisor will follow up with clear options, next steps, and a realistic path to close.
Recently Funded California Deals
Location
San Bernardino , CA
Location
Los Angeles , CA
Location
Sacramento , CA
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Santa Rosa , CA
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Stockton , CA
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Los Angeles , CA
Top Metropolitan Statistical Areas (MSAs) in California
Los Angeles
High rental demand, diverse submarkets, and strong long-term appreciation.
San Francisco
Limited inventory, high barriers to entry, and resilient rental fundamentals.
San Diego
Coastal demand, stable employment base, and constrained housing supply.
California Real Estate Market Insights
California real estate performance varies by region, with major metros shaped by supply constraints, employment density, population trends, and sustained renter demand.
Top Metropolitan Statistical Areas (MSAs) in California
Los Angeles
High rental demand, diverse submarkets, and strong long-term appreciation.
San Francisco
Limited inventory, high barriers to entry, and resilient rental fundamentals.
San Diego
Coastal demand, stable employment base, and constrained housing supply.
California Real Estate Market Insights
California real estate performance varies by region, with major metros shaped by supply constraints, employment density, population trends, and sustained renter demand.
Helpful Resources for California Property Investors
Access industry associations, market research, and local investor networks that provide education, data, and insight to support acquisition, financing, and portfolio strategy decisions across California markets.
Real Estate Market Trends
Stay on top of what’s shaping trends, from housing market momentum and DSCR rental demand signals, to build activity and rent-growth trends. Explore the latest insights below to sharpen your strategy before your next offer or refinance.
