Real Estate Investor Loans in California

Real Estate Investor Financing — Built for How You Actually Invest

Traditional mortgage underwriting was designed for W-2 employees buying primary residences. If you’re a real estate investor, self-employed borrower, or portfolio builder, you already know how poorly that system fits your business model. Tax returns that minimize income, multiple LLCs, rental properties with complex cash flows — banks see complexity where your broker should see opportunity.

Westpark Loans is a full-service California mortgage brokerage that specializes in financing for real estate investors. We work with a curated network of lenders offering programs structured around how investors actually operate: rental income, asset strength, project equity, and deal timeline — not just W-2s and debt-to-income ratios.

Who We Help

Our investor clients span a wide range of strategies and experience levels. We work with:

• Buy-and-hold rental investors building long-term cash flow through single-family, multifamily, and short-term rentals
• Fix-and-flip operators who need fast closings, rehab draw schedules, and flexible exit timelines
• BRRRR investors cycling through acquisition, renovation, refinance, and repeat
• Ground-up developers building new construction on infill lots or raw land
• Portfolio builders consolidating multiple properties or pulling cash out of existing equity
• Self-employed borrowers who show real income through bank deposits, assets, or rental performance rather than tax returns
• Foreign nationals investing in U.S. real estate without traditional U.S. credit history

Why Investors Choose a Broker Over a Bank

Banks offer one set of products with rigid underwriting criteria. As your broker, Westpark Loans has access to dozens of lenders — each with different programs, credit overlays, and risk appetites. That breadth means we can match your specific deal to the lender most likely to approve it at the best available terms.

We’ve closed over $1 billion in loans since 2007. Our team understands investor deals — from DSCR thresholds and ARV-based lending to staged construction draws and cross-collateralization. When your deal has a wrinkle, we know how to present it and who to send it to.

Financing Programs for Investors

Whether you’re buying your first rental or scaling a portfolio across multiple markets, we source the right program for your strategy. Our most-requested investor loan programs include DSCR rental loans that qualify on property income, bank statement loans for self-employed borrowers, bridge loans for fast acquisitions and transitions, fix and flip loans with rehab draw schedules, hard money loans for asset-based financing, ground-up construction loans for new development, blanket loans to consolidate multiple properties, and cash-out refinancing to redeploy existing equity. Each program is available through our lender network with terms structured for investors, not owner-occupants.