LoanFunders for California investors
LoanFunders is a direct DSCR lender with a 0.80 minimum DSCR floor (1.15 DSCR required for its best pricing tier) and a 660 minimum credit score. Minimum loan size is $100,000, with maximum LTV of 80% (75% on 2–8 unit properties). The company does not publish maximum loan size, rate, or state-coverage figures in the sources reviewed.
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 LoanFunders positions in California
Within California, LoanFunders competes alongside other DSCR lenders. LoanFunders strengths: 0.80 minimum DSCR floor (1.15 DSCR for best pricing), Direct lender. The low aggregate DSCR economics of California create demand for LoanFunders programs in Los Angeles and San Francisco particularly.
City-level coverage in California
LoanFunders 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. LoanFunders program terms apply uniformly across California metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | $100K - — |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | 80% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| California property tax | 0.7% |
| California state income tax | 13.3% |
LoanFunders strengths in California
- 0.80 minimum DSCR floor (1.15 DSCR for best pricing)
- Direct lender
- $100,000 minimum loan size
- Maximum 80% LTV (75% on 2–8 unit properties)
Ideal borrower: Investor with at least 0.80 DSCR seeking a direct lender; best pricing available at 1.15+ DSCR.
FAQ
Likely; verify direct California coverage. LoanFunders is based in an undisclosed location and operates in states not publicly disclosed.
Los Angeles is the top investor market in California and is generally within LoanFunders states not publicly disclosed footprint. Los Angeles property tax follows the California state rate of 0.7 percent. LoanFunders 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 LoanFunders. Submarket variation within San Francisco matters for property selection.
LoanFunders 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 LoanFunders program.
LoanFunders does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
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. LoanFunders follows standard business-purpose loan structures.
LoanFunders funds rental DSCR in California.
California has some restrictions on prepayment penalty structures; LoanFunders typically uses 3-5 year step down.
LoanFunders typical close: Not publicly published.
Bottom line
LoanFunders in California works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with LoanFunders.