Get The Funds You Need To Buy, Refi or Restructure Debt On A Rental Property Quickly!

Purchase, Refi & More - Underwriting Done In 24-Hours

3 Weeks Closes On 30-Yr | 620 Min. FICO | Loans Up To $5M | More Options Below

Get Started On A Quote In Seconds

Need Low-Cost Financing For An Investment Property? Find The Ideal Loan In Seconds!

Begin A Quote Below In Seconds

15+ Years Experience | Loans Up To $10M | 10-20% Min. Down For Acquisitions

If your financing request is eligible, you'll be able to book a Free Consultation after completing the form.

DSCR Loans - Hard Money & Creative Loans - Construction Loans

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30-Year DSCR Loans

  • ​30-Year Fixed or Adjustable Rates
  • ​Loan Amounts from $75K - $2M
  • ​Vacant Properties Allowed
  • ​Close in an LLC, Trust or Real Person
  • New or Experience Investors
  • ​No Tax Ret. or Employment Doc
  • ​Non-Owner Occ. Inv. Properties Only
  • ​Unlimited Num of Properties Owned

30-Year DSCR Loans

  • ​Short Term Vacation Rental Prop

  • ​Long Term Rental Properties

  • ​DSCR below .75 available

  • ​No Tax Returns or Employment Doc

  • ​30-Year Fixed or Adjustable Rates

  • ​Loan Amounts from $150K - $10M

  • ​Vacant Property Allowed 

  • ​Unli Number of Properties Owned

  • ​NO SEASONING FOR CASH OUT

  • ​100% GIFT ALLOWED

  • ​Can Use Bank Statements

  • ​660 Minimum Credit Score

  • ​Interest Only Payments Available

Hard Money & Creative Loans

  • No Tax Returns or Employment Documentation

  • ​can use bank statements

  • ​660 Minimum Credit Score

  • ​Interest Only Payments Available

  • ​Unlimited Number of Properties Owned

Construction Loans

  • Stated Income and Stated Asset

  • ​No Reserves and No Seasoning

  • ​Multiple dwellings on one parcel

  • ​Rehab and construction completion

By submitting your phone number you are providing express written consent for us and our affiliates, agents, and service providers to contact you at the email provided as well as the number provided regarding products or services, including via autodialed and/or prerecorded or artificial voice calls and texts and that this consent will persist indefinitely until you request a cease in contact which can be made by phone, email or text. You may opt out of text messages or email at any time by reply with the word STOP. 

©2025 West Capital Lending. NMLS# 1566096 · DRE# 02022356

All Rights Reserved

  

24 Executive Park Ste 250 Irvine CA 92614

Jimmy: NMLS 2249382 | DRE # 02179976

Anthony: NMLS 2160077 | DRE 2164349

Johnny: NMLS 2460960 | DRE 02211087

NMLS Consumer Access

 This offer is not guaranteed if you do not meet our criteria, including credit worthiness, insurability or ability to providing acceptable property as collateral. Terms and conditions apply. Programs, rates, terms and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. The content in this website has not been approved, reviewed, sponsored or endorsed by any department or government agency.

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CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT www.sml.texas.gov. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT www.sml.texas.gov.