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 to refi, build or Buy a rental property With Minimal Requirements & A Fast Close?

Close As Fast As 2 Weeks & Get Low Direct Lender Rates On Refinances

640 Min. FICO | 15-20% Down On Purchase Loans | Residential Properties Only (No Commercial Or Retail)

Begin A Quote Below In Seconds

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

Rental Property & Hard Money Specialists

Communication Consent: By providing your contact information and clicking the "Submit" button, You agree to our Terms of Use and Privacy Policy. You also expressly consent by electronic signature to receive telephonic sales, promotional, marketing and other calls and text messages, including any calls and messages sent by any automated system or other means for the selection or dialing of telephone numbers, or using an artificial or prerecorded voice message when a connection is completed, from West Capital Lending and our marketing partners at the telephone number You have provided, even if that telephone number is on a corporate, state, or national do-not-call list or registry. Your consent and agreement to receive such calls or text messages is not a condition of purchasing any property, goods or services from us, our Family of Companies or any of our partners. Data rates may apply and message frequency varies. Reply STOP to unsubscribe.

30-Year DSCR Loans

  • No income/no employement verification investor mortgages

  • ​First Time Investors Allowed

  • ​640 minimum FICO

  • ​Cash-out can be used as reserves

  • ​40 year interest only available

  • ​No Initial CD Needed - CLOSE FAST

  • ​Airbnb/VRBO/short-term rentals ok

  • ​up to 80% LTV

  • ​$99,000 minimum loan amount

  • ​Loans up to $3,000,000

Short-Term Fix & Flip Loans

  • Experienced and new investors

  • ​640 Min Credit Score

  • ​Proof of Business Req'd

  • ​Up to 100% Coverage On Purchase

  • ​Closing As Quick As 48 Hours

  • ​Loan Amounts Of $10K to $5M

  • ​12-18 Month Loans

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

All Rights Reserved

24 Executive Park Suite 250 Irvine CA 92614

Chase Steffien - Branch Manager - NMLS# 1902168

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.

Communication Consent: By providing your contact information and clicking the "Submit" button, You agree to our Terms of Use and Privacy Policy. You also expressly consent by electronic signature to receive telephonic sales, promotional, marketing and other calls and text messages, including any calls and messages sent by any automated system or other means for the selection or dialing of telephone numbers, or using an artificial or prerecorded voice message when a connection is completed, from West Capital Lending and our marketing partners at the telephone number You have provided, even if that telephone number is on a corporate, state, or national do-not-call list or registry. Your consent and agreement to receive such calls or text messages is not a condition of purchasing any property, goods or services from us, our Family of Companies or any of our partners. Data rates may apply and message frequency varies. Reply STOP to unsubscribe.
License Information - For complete license information, click link here https://westcapitallending.com/licensing


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.

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