Mortgage Lender Lake Forest, CA | theLender



real-estate investing made esay!

Our industry leading real-estate investor loan makes buying or refinancing rental properties easy. We utilize a property’s DSCR (debt-service-coverage-ratio) to qualify the loan; meaning, your loan is qualified based on the cashflow and market rents of the property. We compare the potential rental income to the proposed mortgage payment and if the rental income is equal to, or greater than, the mortgage payment – the property is qualified. We do it all while offering great rates, a seamless process, and best of all NO LENDER FEES! 

long-term rentals

Long-term rentals, at times referred to as buy-and-holds, are rental properties that are purchased and rented out for long-term leases. An LTR property can range from a single-family home, townhouse, multi-family home, apartment or condo and is associated with providing tenants accommodation for an extended period; generally, a minimum duration of six months or greater. Long-term rentals usually are not furnished and since turnover is low, owners can save money in marketing costs, as they do not need to advertise the space as often as a short-term rental requires.

LTRs are one of the most popular, and lucrative, ways to invest in real estate. When you invest in short-term rental properties, rental income is potentially not as reliable as that of LTRs, due to factors such as location, tourist attractions and seasons; owners often also spend more effort and time on maintenance. On the contrary, LTRs require less work in terms of upkeep, key exchange, organizing check-ins/outs, etc.—and because LTR properties are accompanied with relatively constant occupancy, this places the owner in a preferable position to mitigate risk of vacancy for extended periods.

Begin accumulating properties that you can invest in passively or actively. Our investor loan is built for clients who want to establish a real estate business that generates large profits and ensures consistent and stable rental income. Using NONI’s simple qualification process, we approach scaling into numerous properties with ease. Instead of using client’s personal incomes, we easily qualify a loan based on either the LTR’s liquidity, its market rental rate, the property value and purchase price or the tenant lease amount.

Loan Terms


$100k to $3.5mm

ltv purchase

Up to 85% LTV

LTV refinance

Up to 75% LTV on Rate and Term & Cash-Out 


30 year amortization schedule


7/6 ARM, 30 YR Fixed, & 40 YR Fixed with I/O

*interest only options available 

interest rates

7.125% to 9.75%


Full recourse. Personal guarantee required on all owners

dscr requirement

1:1 or greater = NONI
< 1 = nearNONI


Lending to individuals, LLCs,
corporations and trusts*

*trusts on case by case basis

time to close

30 to 45 days

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