Real estate investor loans · California
Loans for every stage of an investor’s deal.
Investors need different financing to buy, renovate and hold. We finance fix and flip and bridge projects, rentals qualified on their own cash flow with DSCR loans, and self-employed investors with bank statement and P&L loans. We typically close Non-QM loans in about 12 days.
Pick by goal
Which investor loan fits your deal?
DSCR loans
Buy and hold
Qualify a rental on its rent divided by its payment. No tax returns, LLC vesting allowed, short-term rentals at many lenders.
DSCR loans →Fix & flip loans
Buy and renovate
Finance most of the purchase and up to 100% of the rehab, interest-only for 12 to 24 months.
Fix & flip loans →Bridge loans
Move fast
Short-term financing to close quickly, stabilize a property, or pull equity for the next deal.
Bridge loans →Bank statement & P&L
Self-employed investors
Use business cash flow to qualify for a rental, second home or primary home.
Self-employed loans →Asset depletion
Asset-rich investors
Turn liquid assets into qualifying income when your returns are mostly unrealized.
Asset depletion loans →Cash-out refinance
Recycle equity
Pull equity from a rental with a DSCR cash-out refinance, commonly up to 70–75% of value.
DSCR cash-out →A common path
Buy, renovate, rent, refinance
- Buy and renovate with a fix and flip or bridge loan sized to the after-repair value.
- Rent the property with a signed lease or a short-term rental history.
- Refinance into a DSCR loan based on the new value and the rent, often pulling cash back out.
- Repeat with the recovered cash. DSCR loans are not limited by the number of financed properties the way agency loans are.
Why investors and their agents use us
Fast, documented approvals your offer can lean on
- About 12-day closings on typical Non-QM and DSCR files.
- Same-day scenario answers: the DSCR, the leverage and the cash to close.
- LLC closings and non-warrantable condos handled routinely.
- One team for every stage, from the flip loan to the long-term refinance.
Common questions
Investor loan FAQ
What is the best loan for a rental property?
For most investors buying or refinancing a long-term rental, a DSCR loan is the simplest: it qualifies on the property’s rent, needs no tax returns and can close in an LLC. If your tax returns show strong income, a conventional investment loan may price lower; we compare both.
Can I buy an investment property with no tax returns?
Yes. DSCR loans qualify on rental income, and bank statement, P&L and asset depletion loans qualify on alternative documentation.
Is there a limit on how many properties I can finance?
Agency loans limit the number of financed properties. DSCR and other Non-QM programs generally do not, though lenders cap their own total exposure to one borrower.
How fast can an investor loan close?
We typically close Non-QM loans in about 12 days, including DSCR loans. Bridge and fix and flip loans can often close on a similar timeline once the appraisal is in.
Send your next deal
Get terms the same day
Send Justin the address, price and rent or rehab budget. You’ll get the program, leverage and cash to close.
Franklin Direct is a mortgage lender in Ladera Ranch, California, powered by Franklin Loan Center. Our team specializes in Non-QM, self-employed and investor loans, and we typically close Non-QM loans in about 12 days.
Three ways to start
Apply now, or email or text Justin directly — usually answered the same day.