California mortgage solutions for homebuyers, investors, and self-employed borrowers. FHA, VA, Conventional, DSCR, Non-QM, Fix & Flip, and Private Capital — built around your situation, not a checklist.
Not every borrower fits the same box. These programs are built around real California scenarios.
The wrong loan type, a missed income document, or a slow lender timeline can collapse a deal that was solid from the start. Getting the structure right before you're under contract changes everything.
Southern California is one of the most competitive real estate markets in the country. Speed, local market knowledge, and lender relationships determine who closes and who loses.
$250M+ in transaction volume across residential, investment, distressed, and private capital. Bank rejections, BK exits, credit events, and uncommon structures are familiar territory.
No commitment. Just clarity on what's possible for your situation.
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California mortgage strategy, private capital updates, and investor financing analysis.
When institutional lenders take 45 days and say no to half the deals, private capital closes on terms that make sense for California investors right now.
Self-employed California investors blocked by tax return write-offs can qualify using a P&L loan — no tax returns, no bank required.
How California investors are using DSCR financing to acquire duplexes and fourplexes based on property cash flow — not personal income documentation.
"Troy helped me purchase my dream home with favorable terms. The process was clear, the timeline held, and he delivered exactly what he said he would. I now have a smart long-term investment."
"Troy found me a loan that fit my situation — not a cookie-cutter product. He understood what I needed, explained the structure clearly, and made a complex process feel manageable."
"I needed to move quickly on an out-of-state purchase. Troy structured it right, moved fast, and gave me confidence throughout the transaction. I felt financially secure from start to close."