California investor financing
Private capital for your next flip or build. Long-term financing for your next rental. A lending desk that understands the property behind the numbers.
Your property.
Your plan. Our perspective.
Direct private capitalFor flips, bridge loans & construction
Rental lending networkDSCR financing, brokered to lenders
California, statewideBased in San Marcos
Find your financing
Buy, improve, hold or build. Start with the program that fits your plan. We’ll work through the details together.
Private capital · Funded direct
Financing for the acquisition and renovation of your next investment property.
Valuation-based review. No prepayment penalty.
Explore a flip scenarioBrokered · Lender network
Long-term financing built around the property’s rental income and debt service.
Personal income documentation is not the basis for qualification.
Explore a rental scenarioPrivate capital · Funded direct
Project financing to move a permitted or shovel-ready site toward a completed home.
Loan structure is tailored to the project and exit strategy.
Explore a build scenarioRates, leverage and points are priced per deal. Request a term sheet for your property.
Deal planner
Explore the numbers. Then let’s talk about the terms.
Your requested loan
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A starting point for a conversation.
Coverage compares your rent and payment inputs. It does not determine DSCR qualification.
Your inputs, not a loan offer. This worksheet does not assess eligibility or apply lender limits. Equity excludes closing costs, interest, reserves and draw timing. Final terms require underwriting.
Email scenario opens a draft in your email app. Nothing is sent automatically. This planner does not save your inputs.
A straightforward process
Start with the property, purchase price, project budget and your plan. Found it on OYKRA? Share the listing link.
We review the property, borrower profile and exit strategy, then discuss the loan structure and proposed terms.
Complete underwriting, title, insurance and entity documentation. For rehab and construction, follow the agreed draw schedule.
Rooted in California
Our lending desk is in San Marcos, with a focus on San Diego and Riverside Counties. We finance eligible investment properties throughout California.
Find your next property on OYKRAA good place to start
Credit, experience, guarantees and documentation requirements vary by program. Let’s review your specific situation.
Good questions. Clear answers.
Every property is different.
We’re here to talk through yours.
Our fix-and-flip / bridge program offers loan sizes from $100,000 to $3 million, subject to underwriting. The amount and leverage depend on the property, project, borrower profile and program. Contact the desk for a term sheet. The deal planner is an illustration using your inputs; it is not a loan quote.
Bridge, fix-and-flip and construction loans are funded by private capital. DSCR rental loans are brokered to third-party lenders.
Bridge and fix-and-flip loans use a broker price opinion or internal valuation. DSCR rental loans require a lender-approved appraisal. Your term sheet and underwriting review will identify the valuation requirements for your property.
First-time flippers are welcome. Experience, credit, liquidity, the project and the exit strategy all factor into the review. Construction experience is preferred, but not required. Terms are determined for each deal.
Debt service coverage ratio compares a property’s rental income with its debt service and housing expenses. For example, $3,600 in monthly rent divided by $3,300 in monthly principal, interest, taxes, insurance and association dues is about 1.09×. A lender’s qualification method and minimum ratio may differ.
No. These programs are for business entities investing in non-owner-occupied property for business purposes. They are not consumer or owner-occupied home loans.
True Path Lending is the financing division of OYKRA, the investor marketplace of My California Home Solution. You can explore properties on OYKRA or learn about selling a property to My California Home Solution.
Call (760) 992-3350 or email deals@mycahomesolution.com. Start with basic property details and your financing goal. We’ll guide you through the next steps and the appropriate way to share any required documents.
Your next move
Bring us the property and your plan.
We’ll help you explore the financing.
No application fee. No obligation.
1132 San Marino Dr #100
San Marcos, CA 92078