California Rehab & BRRRR Loans provide business-purpose real estate investors with Up to 85%–90% LTC + 100% Rehab Escrowed across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout) (12-Mo Rehab Bridge + Seamless 30-Yr DSCR Refi, 620+ FICO min FICO, 7 – 12 Business Days close). In California (CA), lenders underwrite to a Non-Judicial (Deed of Trust — Civil Code §2924) statutory framework (120–135 days-day average timeline), a 0.75% average property tax rate (~$466/mo at the $745,000 state median), and $510/$100K hazard insurance (~$317/mo).
Investor rehab loans are engineered for the Buy, Rehab, Rent, Refinance, Repeat (BRRRR) strategy—funding up to 90% of purchase and 100% of renovation costs, then transitioning into a 75% LTV 30-year fixed DSCR cash-out refinance as soon as work is complete and the property is leased.
Median 1–4 unit price of $745,000 (75% LTV = $558,750) with Form 1007 rent of $4,950/mo and multifamily rent of $2,650/door.
California operates under a Non-Judicial (Deed of Trust — Civil Code §2924) regime (120–135 days days). Lenders require ALTA lender's title endorsement, LLC Good Standing, and 6 months PITIA liquidity reserves.
Close in your California LLC or Delaware LLC registered in CA with zero personal tax returns, W-2s, or 4506-C transcripts.