Select a DSCR Strategy
I hold an individual mortgage loan originator license in California (NMLS #2751970) and am a licensed contractor (CSLB #951450); verify current MLO status on NMLS Consumer Access. Select a strategy below.
California DSCR Purchase Loans
Acquire new investment properties without personal income verification. Qualify solely on the property's rental cash flow.
California DSCR Cash-Out Refinance
Extract equity from your existing portfolio to fund renovations, acquire more doors, or increase liquidity.
California Short-Term Rental (Airbnb) DSCR
Specialized financing for short-term and vacation rentals, using AirDNA projections or historical operating income.
Public programs and money help in California
Every link below goes to a government agency or a nonprofit — not to a lender, and not to us. Start here, then talk to a licensed originator.
Housing help
Credit & money
Down payment help
up to 3.5%
of the purchase price (FHA); 3% conventional
Read it on the agency's site →California first-time buyer programs
- MyHome Assistance Program Deferred-payment junior loan for down payment and closing costs — up to 3.5% on FHA loans, 3% on conventional.
- CalPLUS FHA with ZIP FHA first mortgage paired with a Zero Interest Program loan for closing costs.
- Dream For All Shared Appreciation Loan Down payment help for first-generation buyers; repaid with a share of appreciation at sale.
Program terms, income caps and purchase-price limits are set by California Housing Finance Agency (CalHFA) and change without notice. Confirm current details on the agency's own site before relying on them.