Cash Out Refinance on a Rental Property in California: Limits, Seasoning and When It Pays
Up to 75% of value on a one unit rental and 70% on two to four units: how cash out refinancing works on investment property, the seasoning rules, delayed financing and how to tell if it pays.
House Hacking in Southern California: How to Buy a Duplex, Triplex or Fourplex With a Low Down Payment
How to buy a duplex, triplex or fourplex you will live in with 0% to 5% down: FHA, conventional and VA options, 2026 loan limits by county, how rent helps you qualify and the FHA self sufficiency test.
DSCR Loans in California: How Investors Qualify With Rental Income Instead of Tax Returns
A DSCR loan qualifies a rental on its rent instead of your tax returns. Here is how the ratio is calculated, what lenders ask for in 2026, and the California prepayment penalty rules to read before you sign.
Investment Property Loans in California: Down Payment, Credit and Reserves in 2026
What it takes to finance a rental in California in 2026: 15% to 25% down, reserves for every financed property, how lenders count rent, and how to choose between conventional and DSCR loans.