All California Lending

04/14/2026

If you're buying a 5, 6, 7, or 8 unit building in California, you don't have to use a commercial balloon loan.

Most investors assume 5+ units means commercial financing — 30-year amortization due in 5 or 7 years, refinance required, balloon risk baked in. There's a better option for buy-and-hold investors: DSCR loans specifically structured for 5–8 unit properties.

True 30-year fixed. No balloon. Qualifies on the rental income — no personal tax returns or income docs. LLC ownership permitted. Available for purchase, refinance, and cash-out on stabilized multifamily properties.

https://www.acalending.com/dscr-loans-for-5-8-unit-residential-properties/

Call 877-462-3422 to discuss your multifamily deal.

04/09/2026

We've added San Luis Obispo County to our county-by-county hard money lending coverage.

SLO County is a market we know well — Paso Robles wine country commercial deals, Cal Poly-area rental properties in the city, coastal residential and vacation rental financing along Pismo Beach and Morro Bay, agricultural and land loans in the interior, and the rural north coast communities of Cambria and San Simeon. The range of deal types here is wider than most California counties.
We can help with hard money loans throughout San Luis Obispo County for residential, commercial, fix and flip, land, agricultural, and construction transactions. Full details on what we can do in each community:

https://www.acalending.com/san-luis-obispo-county-hard-money-loans/

Give us a call at 877-462-3422 to discuss your scenario.

Hard money loans throughout San Luis Obispo County, CA Paso Robles, Pismo Beach, Morro Bay and surrounding communities. Call 877-462-3422.

03/18/2026

We do a lot of hard money lending. We also do DSCR loans — and sometimes we talk a borrower out of a hard money loan.

Recently had a referral come in for a hard money purchase loan. The investor was buying a rental property, it was in good condition, and they were planning to hold it long-term. Classic DSCR scenario.
We went with DSCR instead: lower down payment, better rate, 30-year fixed term, lower fees, no refinance needed down the road. The investor got a better deal because we asked the right questions first.

Hard money is the right tool for fix and flip, construction, or when you need to close fast on a property that isn't ready for permanent financing. DSCR is the right tool when you're buying a stabilized rental to hold.

We wrote up a full comparison of when to use each one:

https://www.acalending.com/dscr-loans-vs-hard-money-which-is-right-for-your-california-investment-property/

Questions on which fits your deal — call us at 877-462-3422.

Comparing DSCR loans vs. hard money for California real estate investors. Learn the differences. All California Lending — 877-462-3422.

03/11/2026

DSCR loans are one of the most useful tools for California real estate investors — and one of the most misunderstood.

The short version: the loan qualifies on the rental income the property generates, not your personal income. No tax returns required. Works great for self-employed investors, anyone with multiple financed properties, and borrowers who want to hold property in an LLC.

I wrote up a full guide on how these loans work for California investors — worth bookmarking if you do any buy and hold investing.

https://www.acalending.com/what-is-a-dscr-loan-a-guide-for-california-real-estate-investors/

DSCR loans for California rental properties, no tax returns needed, no ratio products available - call today 877 462 3422

03/09/2026

A lot of California investors assume they can't get a long-term rental loan because they're self-employed or have too many properties already financed.

That's usually not the problem — they're applying for the wrong loan.

There's a program called a DSCR loan that qualifies based on what the rental property earns, not your personal tax returns. No W-2s, no employment verification, no personal debt-to-income ratio. If the rent covers the mortgage, you're in the right ballpark.
I put together a full breakdown of how these work for California investors — link below. Worth a read if you've been told no and weren't sure why.

https://www.acalending.com/what-is-a-dscr-loan-a-guide-for-california-real-estate-investors/

DSCR loans for California rental properties, no tax returns needed, no ratio products available - call today 877 462 3422

01/18/2024

Looking for a construction or construction completion loan for an investment property and have been turned down by the banks? I specialize in alternative financing options. Let me help you obtain the financing you need! Call me.

01/05/2024

Keep your existing low rate first and tap the equity you need with a second. Using the equity you already have in your home is a great way to get the new year off to a new start. Give me a call to get started.

01/02/2024

Looking for a land loan? We can help! whether you are acquiring land or looking to refinance land you currently own, call us today to discuss your options.

01/01/2024

If starting or expanding a business is one of your New Year's resolutions, I can help you leverage your existing real estate to pull the cash out that you need. Contact me today to get started.

12/31/2023

The holiday season seems to come and go faster and faster each passing year — all the more reason to live this season to its fullest. Happy New Year!