Park Place Finance for California investors
Park Place Finance is a direct DSCR lender licensed in most states with a 640 minimum credit score. The company does not publish minimum DSCR, 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 Park Place Finance positions in California
Within California, Park Place Finance competes alongside other DSCR lenders. Park Place Finance strengths: Direct DSCR lender, 640 minimum credit score. The low aggregate DSCR economics of California create demand for Park Place Finance programs in Los Angeles and San Francisco particularly.
City-level coverage in California
Park Place Finance 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. Park Place Finance 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 | — - — |
| 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% |
Park Place Finance strengths in California
- Direct DSCR lender
- 640 minimum credit score
- Licensed in most states
Ideal borrower: Investor with a 640+ credit score seeking a direct DSCR lender with broad state coverage.
FAQ
Likely; verify direct California coverage. Park Place Finance is based in an undisclosed location and operates in most states.
Los Angeles is the top investor market in California and is generally within Park Place Finance most states footprint. Los Angeles property tax follows the California state rate of 0.7 percent. Park Place Finance 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 Park Place Finance. Submarket variation within San Francisco matters for property selection.
Park Place Finance 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 Park Place Finance program.
Park Place Finance 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. Park Place Finance follows standard business-purpose loan structures.
Park Place Finance funds rental DSCR in California.
California has some restrictions on prepayment penalty structures; Park Place Finance typically uses 3-5 year step down.
Park Place Finance typical close: Not publicly published.
Bottom line
Park Place Finance 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 Park Place Finance.