Published by Loan Daddy LLC · NMLS #2827624Broker, not lenderAZ CMB-2016143 · Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873Non-owner-occupied investment property only
Commercial DSCR Investor Deal Desk
California (CA) Wholesale Lender Directory · Non-Judicial (Deed of Trust — Civil Code §2924) Foreclosure

California (CA) DSCR, Fix & Flip & Multifamily Lenders (2026)

Compare active wholesale and balance-sheet lenders funding investment properties in California (CA) on HardMoney.bot — Instant LTC/ARV Fix-and-Flip Underwriting & 24-Hour Bridge Term Sheets. Underwritten to California's Non-Judicial (Deed of Trust — Civil Code §2924) statutory framework (120–135 days-day average timeline), 0.75% average property tax rate, and $510/$100K landlord hazard insurance benchmark.

#1 Wholesale Brokerage Shelf · NMLS #2827624

Loan Daddy LLC — California (CA) Wholesale DSCR & Commercial Desk

Up to 80% Purchase LTV · 75% Cash-Out LTV · 6.125%–7.875% 30-Yr Fixed · Close in California LLC or Delaware LLC.

Match My CA Deal →Compare CA Shelves

Active Wholesale Loan Programs in California (CA)

California DSCR Loans
Up to 80% LTV Purchase / 75% Cash-Out · 6.375% – 8.25% (Wholesale Tier Dependent)
Min FICO: 620 – 660+ FICO · Close: 14 – 21 Business Days
California Hard Money Loans
Up to 85%–90% LTC / 75% ARV · 9.25% – 11.50% Interest-Only
Min FICO: 600 – 640+ FICO (Asset-Backed) · Close: 5 – 10 Business Days
California Private Money Loans
Up to 80% LTV / 85% LTC · 8.99% – 11.25% Interest-Only
Min FICO: Flexible Credit / Equity-Driven · Close: 7 – 12 Business Days
California Fix & Flip Loans
Up to 90% Purchase + 100% Rehab (75% ARV Cap) · 9.25% – 11.25% Interest-Only
Min FICO: 620 – 660+ FICO · Close: 7 – 10 Business Days
California Bridge Loans
Up to 80% LTV Acquisition / 75% Bridge Cash-Out · 8.75% – 10.99% Interest-Only
Min FICO: 640+ FICO · Close: 10 – 15 Business Days
California Ground-Up Construction
Up to 85% LTC / 70%–75% Completed ARV · 9.75% – 11.75% Interest-Only on Drawn Funds
Min FICO: 660+ FICO · Close: 14 – 21 Business Days
California Multifamily (5+ Units)
Up to 75%–80% LTV Purchase / 70%–75% Cash-Out · 6.50% – 8.50% (Perm) / 8.99%+ (Value-Add Bridge)
Min FICO: 660+ FICO · Close: 21 – 30 Business Days
California Commercial Property
Up to 75% LTV · 6.875% – 8.99%
Min FICO: 660+ FICO · Close: 21 – 30 Business Days
California Rehab & BRRRR Loans
Up to 85%–90% LTC + 100% Rehab Escrowed · 9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout)
Min FICO: 620+ FICO · Close: 7 – 12 Business Days
California Cash-Out Refinance
Up to 75% LTV Cash-Out (Select 80% LTV Tiers) · 6.625% – 8.375%
Min FICO: 640 – 680+ FICO · Close: 14 – 21 Business Days

California County-Level Tax & Insurance Underwriting Hubs (10)

Los Angeles County, CA
Los Angeles County, CA · 0.78% Tax
San Diego County, CA
San Diego County, CA · 0.74% Tax
Orange County, CA
Orange County, CA · 0.71% Tax
Riverside County, CA
Riverside County, CA · 0.86% Tax
San Bernardino County, CA
San Bernardino County, CA · 0.82% Tax
Sacramento County, CA
Sacramento County, CA · 0.81% Tax
Alameda County, CA
Alameda County, CA · 0.85% Tax
Santa Clara County, CA
Santa Clara County, CA · 0.77% Tax
Fresno County, CA
Fresno County, CA · 0.79% Tax
Kern County, CA
Kern County, CA · 0.84% Tax

Top California Rental Markets

Los Angeles, CASan Diego, CASan Jose, CASan Francisco, CAFresno, CASacramento, CALong Beach, CAOakland, CABakersfield, CAAnaheim, CASanta Ana, CARiverside, CA
Best California (CA) DSCR & Private Money Lenders (2026) | HardMoney.bot — Instant LTC/ARV Fix-and-Flip Underwriting & 24-Hour Bridge Term Sheets