Private Money Lenders California: Fast & Flexible Funding for Real Estate Investors

Last Updated: March 19, 2025

If you're a real estate investor in California, you've probably thought about how to secure funding quickly and efficiently. Whether you're focused on rental properties or fix-and-flip projects, private money lenders can be a game-changer for your business. These lenders offer flexibility and speed that traditional banks often can't match, making them a popular choice for investors looking to grow their portfolios.

This article will guide you through the essentials of working with private money lenders in California. You'll learn how they operate, what to expect, and how to find the right lender for your specific needs. By understanding this funding option, you can make smarter financial decisions and keep your projects moving forward without unnecessary delays.

What Are Private Money Lenders?

Private money lenders provide alternative funding options for real estate investors. They differ significantly from traditional lending institutions, focusing on flexible terms and quicker approvals.

Defining Private Money Lending

Private money lending involves individuals or companies offering loans secured by real estate. Unlike banks, these lenders evaluate deals primarily based on property value rather than credit history or income. For example, if you are flipping houses or purchasing rental properties in California, a private lender assesses the property's potential profitability.

These loans often have shorter terms, typically 6 to 36 months, and are interest-only. Private lenders charge higher interest rates compared to traditional loans, with averages ranging from 8% to 15%. Borrowers also encounter origination fees, commonly between 1% and 3%. Despite higher costs, real estate investors often value private loans for quick access to funds.

Private money lending is considered ideal for time-sensitive opportunities or unique properties. Hard money lenders, a subset of private lenders, frequently support high-risk deals like distressed properties, making them a staple in real estate investing.

How Private Money Loans Compare to Traditional Loans

Benefits Of Private Money Lenders

Flexible Qualification Requirements: Private lenders focus on asset value over credit scores, making loans accessible even if your financial history is less than ideal.

Speedy Approvals and Funding: Loan approval happens within days, not weeks. For instance, a private money lender can finalize financing before a foreclosure auction or time-sensitive purchase.

Customizable Terms: Flexible loan structures suit diverse real estate projects. For example, you might negotiate an interest-only payment plan tailored to your cash flow.

Asset-Based Security: Collateral ensures funding is not tightly tied to your income. Real estate investors find this beneficial when property's after-repair value (ARV) is high.

Private money lenders play a vital role in allowing investors to capitalize on deals that traditional banks often overlook or take too long to service.

How They Compare To Traditional Lenders

Approval Speed: Private lenders approve loans within days, unlike traditional lenders, which may take weeks or months. This is especially beneficial for real estate investors in competitive markets.

Collateral-Based Lending: Private lenders prioritize property value, whereas traditional lenders assess borrower creditworthiness and income. For example, a private money lender primarily evaluates the ARV of a property slated for renovation.

Loan Terms: Traditional loans often last 15 to 30 years, while private loans span 6 to 36 months. These shorter terms align better with real estate investment projects, like house flipping.

Interest Rates and Fees: Private loans carry higher interest rates, ranging from 8% to 15%, compared to traditional mortgages that hover around 6%. However, you gain flexibility and speed as a trade-off.

Private money lenders fill gaps left by traditional lenders, offering quick funding and fewer restrictions, which enhances your investment flexibility.

Why Work With Private Money Lenders In California?

Private money lenders provide flexible financing solutions tailored to the fast-paced California real estate market. These lenders help investors access funds quickly, making them ideal for time-sensitive projects and unique opportunities.

The California Real Estate Market Overview

California features one of the most dynamic real estate markets in the United States, with high demand and substantial competition. Major cities like Los Angeles, San Francisco, and San Diego often present lucrative opportunities for property investment, but quick action becomes critical.

In such a competitive setting, traditional bank loans often fail to meet the timing needs of investors. Private money lenders serve as a faster alternative. These lenders base their decisions on property value rather than a borrower’s credit score or financial history, ensuring flexible qualification criteria. For example, properties in high-demand areas with potential for flipping or rental income stand out to private lenders.

Short-term lending solutions, typically ranging from 6 to 36 months, align well with California’s active investment and development landscape. A strong focus on equity-based funding creates opportunities for investors to capitalize on assets efficiently.

Unique Advantages For Californians

Private money lenders offer location-specific advantages that benefit California investors. Their adaptability proves essential for tackling the state’s competitive property environment.

1. Quick Access to Funds: Private lenders process loans faster than banks, allowing you to secure properties quickly in hot markets like Bay Area or Orange County. Fast closings are particularly valuable in bidding wars or foreclosure auctions.
2. Flexible Loan Terms: Unlike conventional lenders, private money lenders negotiate terms tailored to each project. For instance, they may accept lower credit scores or adjust repayment schedules to match your investment strategy.
3. Bridge Financing: California’s high property costs often create gaps in financing. A hard money lender ensures you avoid missed opportunities by bridging financial delays with short-term solutions.
4. Asset-Based Lending: Loan approvals focus primarily on property value and potential, helping you obtain funding for properties with strong equity, regardless of credit challenges. This fits well with California’s diverse real estate types, from residential flips to commercial developments.
5. Local Market Expertise: Many private lenders specialize in California markets, ensuring relevant appraisal standards and quick property evaluations.

Types Of Projects Private Money Lenders Fund

Private money lenders finance various real estate ventures, catering to the diverse investment landscape in California.

1. Flipping Houses: Investors targeting fixer-uppers in areas like Los Angeles or San Jose benefit from short-term hard money loans. These loans cover purchase and renovation costs, with repayment upon resale.
2. Rental Properties: Long-term financial goals, such as building rental portfolios in high-demand regions, are supported with private loans prioritizing property potential over credit history.
3. Commercial Real Estate: From small developments to retail spaces, private money lenders fund projects that banks find too risky or unconventional, especially in cities with strong commercial demand.
4. New Construction: Funding for custom builds or small-scale developments becomes accessible when traditional loans fall short.
5. Auction Purchases: Time-sensitive purchases, such as foreclosure auctions, require funds ready within days. Private money lenders excel at expediting this process.

By understanding these project types, you can identify whether a California-based private money lender fits your investment strategy.

How To Find Private Money Lenders In California

Private money lenders provide essential funding for real estate investments. Identifying the right lender requires strategic research and participation in key industry activities.

Researching Local Lenders

Start by focusing on California-based private money lenders who specialize in real estate. Confirm their experience in funding the type of project you are pursuing, such as house flipping or rental properties. Use local business directories and online reviews to create a list of potential lenders.

Next, verify licensing and industry reputation. California requires specific licensure for private lenders to operate legally. Check the Department of Real Estate's official website to validate their credentials. Look for reviews and testimonials from past borrowers to ensure credibility. Avoid lenders with inconsistent feedback or unclear terms.

Compare loan terms and offerings. Request terms such as interest rates, loan-to-value (LTV) ratios, and closing timelines. California private money lenders typically offer LTV ratios between 60% and 75% and interest rates between 8% and 15%. Match the lender's terms to your financial strategies and repayment capacity.

Leveraging Online Platforms

Use online platforms that specialize in connecting borrowers with private money lenders. Several websites allow you to filter lenders by location, loan type, and other criteria specific to California. Examples include Zillow, Connected Investors, and larger marketplaces like LendingHome.

Check each platform’s lender credibility. Many platforms list lender profiles and borrower feedback. Focus on those with proven experience in California real estate financing. Ensure terms like loan duration and LTV ratios align with industry norms.

Submit applications with accurate property details. Provide comprehensive asset information, including appraised value and intended use. Online platforms improve efficiency, allowing access to multiple lenders simultaneously, which optimizes your chances of securing a suitable loan.

Attending Networking Events And Seminars

Participate in California real estate events to meet private money lenders directly. These gatherings often include hard money lenders and private investors seeking opportunities. Events like the California Real Estate Investing Expo are ideal for making professional connections.

Prepare property pitches in advance. Lenders prefer concise presentations that demonstrate property value and expected returns. Include specifics such as estimated repair costs and projected profits for investment properties.

Engage in follow-up communication after meeting potential lenders. Use business cards and contact information to establish future discussions. Networking events help build trust and provide insight into lender styles, which simplifies decision-making for your investment projects.

Materials And Information Needed To Approach Private Money Lenders

Organizing the right materials and information increases your chances of securing funding from a private money lender in California. Present complete and accurate data to establish confidence with lenders.

Financial Documentation

Provide financial documentation to showcase your ability to manage the loan responsibly. Private money lenders often focus on property value but reviewing your financial position helps them assess risk.

• Bank statements: Present the most recent 3 to 6 months of statements for all relevant accounts.
• Proof of income: Include pay stubs, tax returns, or invoices for the last 2 years to demonstrate stable earnings.
• Debt obligations: List current mortgages, loans, or liens to provide a clear picture of outstanding liabilities.
• Down payment proof: Share documentation of funds available for the down payment, which is often 20% to 30% for a private or hard money loan.
• Credit report: Even though private lenders focus on collateral, offering your credit report can enhance transparency.

Submitting organized records minimizes delays during the application process and strengthens your reliability as a borrower.

A Solid Business Or Investment Plan

Create a structured and professional business or investment plan to outline your strategy. Lenders in the private money or hard money sector value a clear, detailed plan when evaluating your project.

• Project description: Outline the type of property (e.g., residential, commercial) and the purpose of the loan (e.g., fix-and-flip, new construction).
• Market analysis: Include data on the local real estate market, property demand, and competition to validate the potential success of your investment.
• Timeline: Provide a realistic schedule for project milestones, including renovations, sales, or refinancing plans.
• Exit strategy: Explain how you intend to repay the loan, whether through property sale, refinance, or rental income.
• Financial projections: Add expected profits, investment costs, and cash flow estimations to highlight project viability.

A well-crafted plan not only clarifies your objectives but also positions you as a serious and competent borrower.

Property Details (If Applicable)

Highlight detailed property information to help private money lenders focus on the collateral for the loan. Emphasizing accurate property details helps lenders assess the asset’s value and potential.

• Property address: Provide a complete address with geographic and zoning details.
• Appraisal or valuation report: Submit recent reports that confirm the property’s current market value.
• Purchase agreement: Show a copy of any agreements related to property acquisition, such as sales contracts.
• Renovation or development plan: Include a breakdown of planned improvements or construction goals.
• Comparable property analysis: Share sale prices or rental data of similar nearby properties to justify your valuation.

Sharing precise and concise information establishes transparency, boosting lender trust and expediting the lending process.

The Process Of Working With Private Money Lenders

Working with a private money lender involves a structured approach that ensures both parties align on project goals and financial expectations. Understanding each phase can streamline the process and improve outcomes.

Preparing And Submitting Your Proposal

Submit a detailed proposal that includes all necessary financial and project data. Begin by organizing key documents such as bank statements, income proofs, credit reports, and tax returns. Highlight the property details, including the address, recent appraisal reports, and a clear renovation or construction plan when applicable.

Include a strong investment plan that outlines your project's scope, objectives, timeline, and expected ROI. Specify your preferred loan terms, such as interest rates and repayment schedules, and clearly present your exit strategy. For instance, state whether your plan involves refinancing, selling the property, or using income from rentals.

When submitting your proposal, select a private money lender experienced in your market, such as hard money lenders specializing in California real estate. Ensure that the lender receives all materials in a single package to avoid delays. A complete and well-organized submission demonstrates professionalism and helps build trust.

Understanding Loan Terms And Conditions

Carefully review loan terms provided by your private lender. Private money loans, including hard money loans, typically involve higher interest rates, ranging from 8% to 15%. Loan terms generally last from 6 to 36 months depending on your repayment plan and project scope.

Pay attention to the Loan-to-Value (LTV) ratio, which private lenders use to calculate lending amounts. For example, a lender offering 70% LTV on a property valued at $500,000 may loan up to $350,000. Some lenders consider After-Repair Value (ARV), factoring in property improvements when determining LTV limits.

Confirm additional charges such as origination fees, closing costs, and prepayment penalties. Understand the repayment structure; some loans may include interest-only payments followed by a balloon payment. Before signing, clarify terms with the lender and verify that the conditions align with your project's financial plan.

Closing The Deal

Finalize the loan agreement and secure funding once your proposal is approved and all conditions are met. Collaborate with your private money lender to complete underwriting and appraisal processes, ensuring compliance with loan requirements. At this stage, expect to provide any outstanding documentation requested by the lender.

Work with an escrow company or attorney to manage fund disbursement and ensure proper documentation. Pay fees such as origination charges, appraisal fees, and closing costs before funds are released. For example, if a hard money loan for $300,000 includes a 3% origination fee, you need to pay $9,000 at closing.

Review all documents, including promissory notes, deeds of trust, and any lender-specific requirements, before proceeding to sign. Once completed, funds are typically released within a few business days. With funding secured, you can move forward confidently on your real estate project.

Tips For Success With Private Money Lenders

Achieving success with a private money lender requires preparation, the ability to foster productive interactions, and informed decision-making. Focus on clear communication, understanding terms, and avoiding mistakes throughout the process.

Building A Strong Relationship With Lenders

Demonstrating reliability and transparency strengthens trust. Offer clear and organized financial documentation, such as income proof, bank statements, and credit reports. Consistently present accurate details to maintain credibility.

Supporting your application with a solid investment plan boosts confidence. Specify your project’s goals, timelines, and financial projections to demonstrate clear intent. For instance, if working on property flips or rental expansions, elaborate on the expected return on investment (ROI).

Responding promptly to queries shows professionalism and commitment. When communicating, address any specific concerns a private money lender might express about your submission to expedite their decision-making process.

Taking time to establish rapport with private money lenders familiar with California’s real estate market ensures compatibility. For instance, engaging lenders with local expertise helps you access market insights aligned with your financial goals.

Avoiding Common Pitfalls

Miscalculating property value can disrupt loan approvals. Base your projections on recent appraisals and comparable properties to reflect accurate data. Avoid overestimating values when securing a mortgage or private funding to maintain feasibility.

Failure to assess repayment terms thoroughly leads to unexpected costs. Analyze loan-to-value (LTV) ratios, monthly payment schedules, and additional fees before entering agreements with a hard money lender. Understanding financial impact prevents issues during repayment.

Inadequately planning an exit strategy risks repayment hurdles. Whether you intend to sell a property post-renovation or refinance it using long-term financing, establish steps to fulfill financial obligations within the loan term.

Ignoring lender reliability compromises your investment. Vet private money lenders by checking licenses and client reviews. Avoid engaging firms or individuals with questionable reputations or terms contradictory to standard practices.

Negotiating Favorable Terms

Highlighting investment potential strengthens your bargaining position. Use credible market analysis and property evaluations to justify lower interest rates or more favorable terms with the lender. For hard money loans, emphasizing asset value over credit factors proves advantageous.

Determining an optimal loan-to-value ratio minimizes risks. Aim for ratios under 65%-75% to assure your lender of repayment stability. For example, balancing equity and borrowed amounts for property renovations keeps financial risks manageable.

Requesting flexibility in repayment terms enhances financial planning. For instance, opting for interest-only payments until project completion alleviates cash flow concerns during property transitions or upgrades. Ensure terms accommodate your project’s schedule.

Clarifying all fees avoids disputes. Ask for a breakdown of origination points, administrative charges, broker fees, and penalties at the agreement stage. Negotiate reductions on non-standard charges to lower overheads.

Securing equitable terms with a private money lender in California requires preparation, transparency, and strategic effort.

Common Issues When Working With Private Money Lenders

Private money lenders offer fast and flexible funding solutions, but several challenges can arise during the process.

High-Interest Rates And Fees

Private money lenders, including hard money lenders, often charge higher interest rates than traditional loans. Interest rates typically range from 8% to 15%, and closing fees or origination fees can add up to 1% to 3% of the total loan amount. For example, a $500,000 loan could involve fees between $5,000 and $15,000. These costs increase the overall expense of borrowing and can affect profit margins on real estate investments.

Higher interest rates reflect the risk private lenders undertake by operating outside conventional lending requirements. Loans are often based on property value rather than your creditworthiness. Despite this flexibility, such terms can be costly if the project runs longer than expected or market conditions change.

Short Loan Terms

Private money loans typically have shorter terms compared to traditional financing. Terms range between 6 to 36 months. These short timelines are designed for quick-turnaround projects, such as house flipping or bridge financing. Tight deadlines create pressure to complete projects or sell properties promptly.

Short loan terms could lead to repayment challenges if unexpected delays occur, such as slow renovations or extended property sales cycles. Defaulting on a loan may result in losing the collateral property.

Legal And Regulatory Challenges

California’s private lending market is regulated under state and federal laws to protect both lenders and borrowers. Working with unlicensed lenders or failing to meet disclosure requirements can lead to legal issues. For example, California’s Bureau of Real Estate requires most hard money lenders to hold a broker’s license.

Additionally, some unscrupulous lenders may include unclear terms or hidden fees in contracts. Misinterpreting loan documents may result in unanticipated costs, disputes, or legal penalties.

Solutions To Overcome These Issues

Mitigate high-interest costs by negotiating competitive terms, comparing multiple private lenders, and seeking those with clear fee structures. Clearly explain your project’s profitability and exit strategy to potentially secure better rates.

Plan for short loan terms by having a well-outlined project timeline and factoring potential delays into the scope. Prioritize lenders with renewal or extension options to avoid defaulting.

Avoid legal complications by verifying the lender's license and thoroughly reviewing all contracts. Consult with a real estate attorney or experienced advisor to clarify legal terms and ensure fair dealings in all agreements.

Alternatives To Private Money Lenders In California

While private money lenders offer flexibility and fast funding, exploring other financing options can provide additional solutions for your real estate ventures in California.

Hard Money Loans

Hard money loans represent an alternative option for securing financing quickly. These loans are asset-based and backed by the value of the property being financed. Hard money lenders typically focus on the property's value and require less emphasis on your credit score or financial history.

Terms for hard money loans are generally short, often between 6 and 24 months, and interest rates range from 8% to 15%. The application process is faster compared to banks, making it a popular choice for investors dealing with auction properties or time-sensitive opportunities. For instance, if you are acquiring a property for flipping, this type of loan can be beneficial due to its expedited approval process.

However, hard money loans come with higher interest rates and lending fees, including origination fees, which may range from 2% to 4% of the loan amount. These added costs can significantly impact the overall project budget and should be carefully evaluated before proceeding. With requirements centered around the Loan-to-Value ratio, hard money loans are particularly useful for high-potential short-term investments.

Traditional Bank Financing

Traditional bank financing remains a widely-used option for purchasing real estate in California. Banks offer mortgage loans with longer repayment periods, typically 15 to 30 years, and far lower interest rates, often between 3% and 8%, which can reduce the cost of borrowing over time.

Banks evaluate your creditworthiness, income stability, and debt-to-income ratio during the application process. Unlike private money loans or hard money loans, these have stricter qualification criteria and may require a credit score of at least 620 and proof of stable income. Additionally, banks conduct comprehensive underwriting, making approval slower, sometimes taking weeks or months to finalize.

Traditional bank loans are often more suitable for long-term investments in residential or commercial properties where immediate funding isn’t required. While private lenders and hard money lenders focus on faster approvals, banks provide a reliable solution for lower-risk, lower-cost financing when time constraints are not critical.

Peer-To-Peer Lending Options

Peer-to-peer (P2P) lending platforms provide an innovative way to secure funding for real estate projects without traditional financial institutions. These platforms connect borrowers directly to individual or group investors, creating flexible arrangements that cater to a wide range of funding needs.

Interest rates on peer-to-peer loans typically range from 6% to 12%, depending on the creditworthiness of the borrower and project specifics. Loan amounts and terms vary, but many platforms offer terms between 1 and 5 years, giving you options for both short-term and medium-term financing. Popular platforms for real estate funding in California include LendingClub and Prosper, among others.

Without the need for a hard money lender or private lender, P2P lending can be a cost-effective and relatively fast alternative. However, availability depends on market demand, and you may still face scrutiny on your credit profile and project details. Evaluate lender fees and platform charges when considering peer-to-peer lending for your financing requirements.

Key Takeaways

• California private money lenders offer fast and flexible funding for real estate investors, making them ideal for time-sensitive projects like house flipping, rental properties, and auction purchases.
• Unlike traditional banks, private lenders focus on property value rather than credit history, enabling easier access to funds with less stringent qualification requirements.
• Private money loans feature shorter terms (6-36 months) and higher interest rates (8%-15%), but they provide quick approvals and customized terms tailored for real estate projects.
• The California market’s competitiveness highlights the need for quick funding, and private lenders excel in meeting tight deadlines for high-demand properties in regions like Los Angeles, San Francisco, and San Diego.
• Developing a strong investment plan and providing detailed property information improves your chances of securing a loan and negotiating better terms with private money lenders.
• Alternative funding options like hard money loans, traditional bank financing, and peer-to-peer lending may also be suitable depending on your project's timeline, budget, and financial goals.

Conclusion

Navigating the California real estate market requires quick, reliable funding solutions, and private money lenders offer a valuable alternative for investors. Their ability to provide flexible terms and expedited approvals makes them an essential resource for time-sensitive opportunities or unique projects. By understanding how these lenders operate and preparing thoroughly, you can secure the financing you need to achieve your investment goals.

Whether you're flipping houses, purchasing rental properties, or pursuing other ventures, working with the right private money lender can streamline your process and enhance your financial strategy. With careful planning, clear communication, and strategic decision-making, you can build successful partnerships and capitalize on the dynamic opportunities California's real estate market has to offer.

Frequently Asked Questions

What are private money lenders, and how do they differ from traditional lenders?

Private money lenders are individuals or companies that offer real estate loans based on the value of the property rather than the borrower’s credit history. Unlike traditional banks, private lenders provide faster approvals, flexible terms, shorter loan periods (typically 6 to 36 months), and focus on asset-based lending. However, their interest rates are higher, usually ranging between 8% and 15%.

Why are private money lenders ideal for real estate investors in California?

Private money lenders are ideal due to their fast funding, local market expertise, and flexible terms. In California's competitive real estate market, quick access to capital helps investors seize time-sensitive opportunities like house flipping, auction buys, or bridge financing. Additionally, they focus on collateral over creditworthiness, making them suitable for unique projects.

What types of projects can private money lenders fund?

Private money lenders can fund a variety of real estate projects, including house flipping, rental property purchases, commercial developments, new construction, and auction purchases. They offer tailored terms and quick access to funds, making them especially useful for short-term or unconventional investment opportunities.

What should I prepare before approaching a private money lender?

You should prepare complete financial documentation such as bank statements, proof of income, and a credit report. Additionally, create a solid business or investment plan that includes a project description, timeline, exit strategy, and financial projections. Provide comprehensive property details, like the appraisal and renovation plans, to demonstrate the collateral’s value.

How can I find reputable private money lenders in California?

Start by researching online platforms and directories that specialize in connecting borrowers with private lenders. Verify their licensing and reputation through reviews and references. Attend networking events or real estate seminars for direct engagement with lenders. Compare terms, fees, and lender expertise to find the right fit for your project.

What are the benefits of using private money lenders for real estate investing?

Key benefits include faster approval times, flexible qualification requirements, customizable loan terms, and asset-based security. They offer quick funding, which is essential for competitive real estate deals in California. Borrowers with less-than-perfect credit may also qualify since the focus is on property value.

What are the downsides of private money lending?

The main downsides include higher interest rates (8% to 15%), additional fees like origination and closing costs, and shorter loan terms (6 to 36 months), which can create pressure to complete projects quickly. Legal and regulatory complexities may also arise, so working with licensed lenders is essential.

Are private money loans more expensive than traditional bank loans?

Yes, private money loans tend to be more expensive. Interest rates range from 8% to 15%, compared to 3% to 8% for traditional bank loans. Additionally, private loans often include higher origination and closing fees. However, they provide faster approvals and flexible terms, which can justify the cost for time-sensitive investments.

How do I negotiate better terms with a private money lender?

To negotiate favorable terms, present a strong investment plan showcasing the project's potential and your repayment strategy. Clarify all fees upfront to avoid surprises and negotiate for lower interest rates or more flexible terms. Demonstrating credibility, preparation, and transparency can help secure equitable loan agreements.

Are there alternatives to private money lenders in California?

Yes, alternatives include hard money loans, traditional bank financing, and peer-to-peer lending. Hard money loans offer fast funding but come with high costs. Bank loans have lower interest rates but slower processes. Peer-to-peer lending connects borrowers with investors for flexible terms, though credit profiles may still be reviewed.

Is it risky to work with private money lenders?

There are risks, such as high costs, short repayment timelines, and potential legal complexities. To minimize risks, work with licensed lenders, review the loan agreement thoroughly, plan for delays, and consult legal experts before signing. Transparency and due diligence are crucial for successful outcomes.

DSCR Loan Quote

Our mission is to help you build wealth through real estate. Let's grow and optimize your rental property portfolio!

• Get your instant DSCR loan quote today!
• Save big on premiums with our landlord insurance rate shopping service!
• Interested in exclusive investment opportunities? Browse off market properties now!
• Join our Facebook community to stay up-to-date with the latest platform updates and market insights.
• Subscribe to our Youtube channel for our monthly DSCR loan update.