Investor & Bridge

Investor loans qualify the property, not your paycheck. A DSCR loan approves based on whether the rent covers the mortgage payment — no tax returns, no W-2s, no DTI calculation. That single difference is why most scaled California landlords stop using conventional financing after their second or third door.

DSCR is the workhorse

Debt-service-coverage-ratio lending prices off the property's rent-to-payment ratio. A DSCR of 1.0 means rent exactly covers PITIA; above 1.2 unlocks the best pricing; and no-ratio variants exist for negative-cash-flow appreciation plays at lower leverage. Close in an LLC, no limit on financed properties, and 30-year fixed or interest-only structures — the things conventional explicitly can't do for investors.

The full investor stack

Beyond stabilized rentals: fix-and-flip lines fund purchase plus rehab on 12-month terms, bridge loans solve timing gaps (including the delayed-financing play — cash close to win the deal, then pull the cash back out within months), and ground-up construction programs serve infill builders. A BRRRR cycle in Southern California typically touches two or three of these products in sequence — buying the flip line and the DSCR exit from the same broker is how the timeline stays tight.

Why Southern California specifically

High rents, chronic supply shortage, and ADU-friendly state law make small-multifamily and ADU-add value plays the dominant local strategy. I underwrite these as an investor-side broker who also holds a CCIM — the same analysis institutional buyers run, applied to your four-unit in Long Beach.