All Programs and Guides on Investor Loans California
Every guide on this site, one screen. Program pages carry the mechanics; market pages carry the local numbers and rules; all figures are dated and registry-verified.
Loan programs
- DSCR loans: qualify on the property's rent; no tax returns; LLC-friendly.
- Investor cash-out refinance: ordinary rules, the Prop 13 refinance wrinkle, BRRRR seasoning.
- Short-term rental loans: Airbnb financing with honest income lanes and the mid-term angle.
- LLC lending: close in the entity; the $800 tax; why the series-LLC trick fails in California.
- Portfolio + 2–4 unit + foreign national: the 10-loan conventional cap and what's past it.
- Bank-statement loans: self-employed qualifying from deposits after an expense factor.
- ADU income + AB 1033: how ADU rent counts and where you can sell one separately.
- FAIR Plan insurance: the $3 million cap, the DIC wrap, insurance inside PITIA.
- 1031 replacement financing: the clocks plus California's FTB Form 3840 clawback.
Market guides
- Los Angeles: deep market, thin ratios, RSO and Measure ULA.
- San Diego: the $1,104,000 conforming limit and the Mission Beach lottery.
- Inland Empire + Central Valley: where California cash flow actually works.
California reference
- AB 1482 rent cap guide: the 2026 caps and the exemption most landlords lose.
- STR rules by city: the nine-jurisdiction status table, verified July 2026.
- Rental property taxes: Prop 13 reset, supplemental bills, Prop 19, Measure ULA.
Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content, not a loan commitment and not legal or tax advice. California rent-cap percentages, city and county STR rules, tax figures, and litigation status change; verify current requirements with the city or county, your CPA, or a California real estate attorney before you buy. Loans are subject to buyer and property qualification.