Compare all 10 wholesale investor loan programs in California (CA) on LoanGod AI — God-Mode Underwriting for Sub-1.00x DSCR, Foreign National, ITIN, Layered LLCs & Condotels. Underwritten for California's Non-Judicial (Deed of Trust — Civil Code §2924) legal framework (120–135 days-day average timeline), 0.75% average property tax rate, and $745,000 median 1–4 unit acquisition price.
| CA Program | Max Leverage | 2026 Rate Band | Min FICO | Close Speed | CA Desk |
|---|---|---|---|---|---|
| California DSCR Loans | Up to 80% LTV Purchase / 75% Cash-Out | Wholesale Par-to-Premium Pricing (Scenario Dependent) | 620 – 660+ FICO | 14 – 21 Business Days | CA Specs → |
| California Hard Money Loans | Up to 85%–90% LTC / 75% ARV | Asset-Based Interest-Only Wholesale Pricing | 600 – 640+ FICO (Asset-Backed) | 5 – 10 Business Days | CA Specs → |
| California Private Money Loans | Up to 80% LTV / 85% LTC | Private Debt-Fund Interest-Only Pricing | Flexible Credit / Equity-Driven | 7 – 12 Business Days | CA Specs → |
| California Fix & Flip Loans | Up to 90% Purchase + 100% Rehab (75% ARV Cap) | RTL Rehab Interest-Only Wholesale Pricing | 620 – 660+ FICO | 7 – 10 Business Days | CA Specs → |
| California Bridge Loans | Up to 80% LTV Acquisition / 75% Bridge Cash-Out | Transitional Bridge Interest-Only Pricing | 640+ FICO | 10 – 15 Business Days | CA Specs → |
| California Ground-Up Construction | Up to 85% LTC / 70%–75% Completed ARV | Interest-Only on Drawn Construction Funds | 660+ FICO | 14 – 21 Business Days | CA Specs → |
| California Multifamily (5+ Units) | Up to 75%–80% LTV Purchase / 70%–75% Cash-Out | Permanent 30-Yr Fixed & Value-Add Bridge Shelves | 660+ FICO | 21 – 30 Business Days | CA Specs → |
| California Commercial Property | Up to 75% LTV | Commercial Non-QM & Portfolio Wholesale Pricing | 660+ FICO | 21 – 30 Business Days | CA Specs → |
| California Rehab & BRRRR Loans | Up to 85%–90% LTC + 100% Rehab Escrowed | Short-Term Rehab Bridge -> 30-Yr DSCR Takeout | 620+ FICO | 7 – 12 Business Days | CA Specs → |
| California Cash-Out Refinance | Up to 75% LTV Cash-Out (Select 80% LTV Tiers) | 30-Yr Fixed, 10-Yr IO & 40-Yr IO Wholesale Shelves | 640 – 680+ FICO | 14 – 21 Business Days | CA Specs → |