Dominion Financial Services for California investors
Dominion Financial Services is an established lender with comfort on distressed properties and flexibility on borrower credit profiles.
California context
California DSCR economics tight in coastal markets but workable in Central Valley. AB1482 statewide rent control caps annual rent increases. Tight STR rules in many cities.
How Dominion Financial Services positions in California
Within California, Dominion Financial Services competes alongside other DSCR lenders. Dominion Financial Services strengths: experienced underwriting, distressed property comfort. The low aggregate DSCR economics of California create demand for Dominion Financial Services programs in Los Angeles and San Francisco particularly.
City-level coverage in California
Dominion Financial Services provides DSCR coverage across California metros including Los Angeles, San Francisco, and San Diego. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Dominion Financial Services program terms apply uniformly across California metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, bridge, rental |
| Loan size | $50K - $5.0M |
| Rates | 9.5%-12.5% |
| Points | 1.5 - 4 |
| Max LTV | 75% of ARV |
| Term lengths | 6-18 months |
| Typical close time | 7-14 days typical |
| California property tax | 0.7% |
| California state income tax | 13.3% |
Dominion Financial Services strengths in California
- experienced underwriting
- distressed property comfort
- flexible on credit
Ideal borrower: Investor on distressed deals or with credit hair
FAQ
Yes, operates nationally including California. Dominion Financial Services is based in Baltimore, MD and operates nationally.
Los Angeles is the top investor market in California and falls within Dominion Financial Services national coverage. Los Angeles property tax follows the California state rate of 0.7 percent. Dominion Financial Services typically underwrites Los Angeles acquisitions at standard rate sheets.
Yes. San Francisco ranks among the larger California investor metros and sees consistent DSCR loan volume from Dominion Financial Services. Submarket variation within San Francisco matters for property selection.
Dominion Financial Services applies the same rate sheet across California metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Los Angeles, San Francisco, and San Diego all qualify for the same Dominion Financial Services program.
Dominion Financial Services indicative DSCR rate range is 9.5 to 12.5 percent with 1.5 to 4 points.
California DSCR economics tight in coastal markets but workable in Central Valley. AB1482 statewide rent control caps annual rent increases. Tight STR rules in many cities. Dominion Financial Services follows standard business-purpose loan structures.
Dominion Financial Services funds fix-and-flip, bridge, rental in California.
California has some restrictions on prepayment penalty structures; Dominion Financial Services typically uses 3-5 year step down.
Dominion Financial Services typical close: 7-14 days typical.
Bottom line
For California DSCR borrowers, Dominion Financial Services is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with Dominion Financial Services.