MoFin Lending for California investors
MoFin Lending is a direct DSCR lender licensed in 34 states with a 700 minimum credit score — the highest credit floor among the lenders added to this directory in September 2026. Minimum loan size is $150,000. The company does not publish minimum DSCR, maximum loan size, LTV, or rate 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 MoFin Lending positions in California
The California lender pool for DSCR includes MoFin Lending among the active platforms. California top metros (Los Angeles, San Francisco, San Diego) see meaningful MoFin Lending loan volume.
City-level coverage in California
MoFin Lending 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. MoFin Lending 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 | $150K - — |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | Not publicly published |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| California property tax | 0.7% |
| California state income tax | 13.3% |
MoFin Lending strengths in California
- Licensed in 34 states
- Direct lender
- $150,000 minimum loan size
- Highest minimum credit score (700) among the lenders added to this directory in September 2026
Ideal borrower: Investor with a 700+ credit score and a $150,000+ loan size seeking a direct DSCR lender.
FAQ
Yes, operates nationally including California. MoFin Lending is based in an undisclosed location and operates nationally.
Los Angeles is the top investor market in California and falls within MoFin Lending national coverage. Los Angeles property tax follows the California state rate of 0.7 percent. MoFin Lending 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 MoFin Lending. Submarket variation within San Francisco matters for property selection.
MoFin Lending 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 MoFin Lending program.
MoFin Lending 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. MoFin Lending follows standard business-purpose loan structures.
MoFin Lending funds rental DSCR in California.
California has some restrictions on prepayment penalty structures; MoFin Lending typically uses 3-5 year step down.
MoFin Lending typical close: Not publicly published.
Bottom line
For California DSCR borrowers, MoFin Lending is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with MoFin Lending.