LendyWendy is an AI-powered mortgage matching service that connects California homebuyers with top-rated local mortgage lenders. Our technology analyzes your financial profile and matches you with lenders offering the best rates for your specific situation.

Is LendyWendy free to use?

Yes, LendyWendy is 100% free for borrowers. We are compensated by lenders when a loan closes, so there's never any cost to you for using our matching service or AI advisor.

Will checking my mortgage options affect my credit score?

No. Using LendyWendy's AI advisor or Mortgage Readiness Score does not impact your credit score. We only perform a soft inquiry which has no effect on your credit.

What types of mortgages can I find through LendyWendy?

LendyWendy matches borrowers with lenders offering all major loan types including Conventional, FHA, VA, USDA, Jumbo, DSCR, fix-and-flip, commercial mortgages, and Non-QM loans for self-employed or non-traditional income borrowers.

How fast can I get pre-approved?

Most borrowers receive pre-qualification within 2 minutes using our AI advisor. Full pre-approval with a matched lender typically takes 24-48 hours after document submission.

Does LendyWendy serve all of California?

Yes, LendyWendy serves all California markets including Los Angeles, San Francisco, San Diego, Sacramento, San Jose, Orange County, and every other city and county in the state.

What credit score do I need for a California mortgage?

Credit score requirements vary by loan type: FHA loans accept 580+ (3.5% down) or 500-579 (10% down), Conventional loans require 620+, VA loans typically need 620+, and Jumbo loans usually require 700+. LendyWendy matches you with lenders who specialize in your credit profile.

How much down payment do I need to buy a house in California?

Down payment requirements depend on loan type: VA and USDA loans offer $0 down for eligible borrowers, FHA loans require 3.5% down, Conventional loans start at 3% down for first-time buyers, and Jumbo loans typically require 10-20% down. California down payment assistance programs may also be available.

What is the difference between pre-qualification and pre-approval?

Pre-qualification is a quick estimate based on self-reported information and doesn't involve a credit check. Pre-approval is a formal commitment from a lender after reviewing your credit, income, and assets. Pre-approval letters make your offers more competitive in California's housing market.

California Investment Property Lenders

Scale Your Portfolio
Without the Paperwork

DSCR loans, fix-and-flip financing, and portfolio loans for California real estate investors. No tax returns required. Close in as few as 7 days.

Lenders close in 7-14 days

No tax returns

Unlimited properties

Compare Investor Rates DSCR Calculator

Investor Loan Programs

Purpose-built financing for every investment strategy

DSCR Loans

6.25% - 7.75%

Qualify on rental income, not personal income. No tax returns or W-2s required.

No income verification

1.0+ DSCR required

Up to 80% LTV

30-year fixed available

LTV: Up to 80%Min DSCR: 1.0+

Fix & Flip

9% - 12%

Fast funding for acquisitions and rehab. Close in as little as 7 days.

Close in 7-14 days

Up to 90% of purchase

100% rehab financing

Interest-only payments

LTV: Up to 90%Term: 6-18 months

Bridge Loans

8% - 11%

Short-term financing to bridge acquisitions or stabilize properties.

Quick closing

Flexible terms

No prepay penalty

Interest reserves available

LTV: Up to 75%Term: 12-24 months

Portfolio Loans

6.5% - 8%

Finance 5-100+ properties under one loan. Simplify your portfolio management.

Single loan, multiple properties

Cross-collateralization

Cash-out available

Blanket loans

LTV: Up to 75%Properties: 5+

Hard Money

9.99% - 13.99%

Asset-based lending with the fastest closings in California. The property is the story.

Close in 7-10 days

No income verification

Any property condition

Up to $20M+

LTV: Up to 75% ARVTerm: 6-36 months

Compare Rates

$847M

Investor Loans Funded

14 days

Average Close Time

2,400+

Properties Financed

4.9/5

Investor Rating

Investment Loan FAQs

What is a DSCR loan and who qualifies?

A DSCR (Debt Service Coverage Ratio) loan qualifies borrowers based on the property's rental income rather than personal income. You qualify when the property's rental income covers at least 100% of the mortgage payment. No tax returns, W-2s, or employment verification required.

How fast can I close on a fix-and-flip loan?

Fix-and-flip loans can close in as fast as 7-14 days. Lenders in our network specialize in quick closings for time-sensitive investment deals.

Do I need 20% down for investment property loans?

Down payment requirements vary: DSCR loans typically require 20-25% down, fix-and-flip loans offer 80-90% LTV (10-20% down), and portfolio loans may have flexible terms. Foreign nationals typically need 25-30% down.

Can I finance multiple investment properties under one loan?

Yes! Portfolio loans and blanket loans allow you to finance multiple properties (5-100+) under a single mortgage. This simplifies management and can offer better terms than individual loans.

Ready to Finance Your Next Deal?

Get matched with investment property lenders in 60 seconds. DSCR, fix-and-flip, portfolio - we've got you covered.

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Scale Your PortfolioWithout the Paperwork