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

The Most Flexible Rental Property Lending Options On The Planet

Begin A Quote Below In Seconds

 680 Min. Recommended FICO | No Minimum or Maximum Loan Amounts | No Limit On Unit Count

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

Purchase, Rate & Term or Cashout

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

  • ​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

  • ​1-4 Unit/Non-Warrantable Condos OK
  • ​Gift Funds OK
  • ​Short-term rentals OK
  • ​Down to 620 FICO
  • ​No limit on Financed Properties 
  • ​Vest in LLC
  • ​Combine up to 50 prop into 1 loan
  • ​Interest Only financing available"
  • ​No tax/personal income doc needed
  • ​Loans based on rental prop cash flow
  • ​85% LTV for Purchase
  • ​80% LTV Cash-Out, Rate & Term Refi

Hard Money & Creative Loans

  • Stated Income / Stated Assets
  • ​No Reserves / No Seasoning
  • ​1-7 Year Terms (40 Year Amortization or Interest Only)
  • ​Bankruptcy OK / Foreclosure OK
  • ​NO FICO / NO CREDIT OK
  • ​Rehab & Construction Completion
  • ​Foreign Nationals Programs
  • ​Condos Unacceptable to Fannie and Freddie OK
  • ​Multiple Dwellings on One Parcel
  • ​Residential / Commercial / Industrial / Multi-Units / Mixed-Use
  • ​LLC / Corp
  • ​Approvals Issued Same Day
  • ​Fast Funding!

30-Year DSCR Loans

  • ​No Minimum Loan Amount

  • ​Rural - OK

  • ​No Limit on Units

  • ​Close in an LLC

  • ​Does not report on credit

  • ​40 Year Fix 10 Year IO

  • ​Purchase to 80% LTV

  • ​Cash out to 75% LTV

  • ​​Mixed-use DSCR (w/mostly residential SQFT) 

  • ​No RV / Mobile Home Park Financing​

Fast and Easy
Financing

Find out how to save money on your current mortgage or obtain competitive rates.

How we stand out

We strive to offer unparalleled service to our borrowers. This includes a lean and simple process, a dedicated loan officer who can offer different customizable loan options with very attractive payment terms.

15-minute loan approvals

Non-QM & No income options

Flex rate options

Access to multiple lenders and investors

Reverse & Reverse Jumbo options

Bank Statement Loan options

We provide competitive loan and refinance solutions at competitive rates. Get in touch and let us know how we can help you.

HOW IT WORKS

Step by step process to your Home Loan

Whether you are seeking to save money on your current mortgage, obtain cash for a home improvement or become a homeowner we can help you. Get in touch and we will assist you hassle-free

Get in Touch

Choose a loan professional near you

Select your Home Loan

Customize the perfect loan for your needs

Obtain your Mortgage

Close your loan in as little as 10 days

OUR USER REVIEW

What our clients are saying about us

Working specifically with Evan was the best! He was not only so efficient and professional in his work, he also showed so much aloha. I would choose to work with him over and over again! He thoroughly took me through the entire process and answered my millions of questions. He genuIm Back Team inely wanted the best for me and made everything so easy to understand. I mahalo him so much!

Kyla Manzano

Great communication, streamlined process, delivered on promises made. Our refinance was quick & easy with excellent customer service. Tyler & Susie were awesome to work with. We appreciate everything so much!

Lynda Jo Skipper

Bryann was amazing, she walked us through all the steps and worked hard to get us the best deal. For the most part it was a stress free experience. We will go to her for all of our mortgage needs.

Foothills Catering

Kevin Kwak and his team were awesome! He went above and beyond to help us with our loan and kept up great communication. We recommend using Kevin and his team on you next loan! Thank you Kevin! Very satisfied customer, Brad Stewart

Brad Stewart

Brian Koerner was such a wonderful resource for our family, navigating a contingent sale and purchase. He is a wealth of knowledge and was a much needed beacon for us throughout the process. A huge thanks to Brian and team! Will definitely be our first choice for all things mortgage.

Tracey F.

Our loan office Jorge was amazing! Great communication regardless of the hour and he kept us in the know the entire process. We even closed early which was incredible.

Mireya Garcia

©2025 E Mortgage Capital, Inc.

All Rights Reserved

18071 Fitch Ste. 200 Irvine, CA 92614

Paul Shin - Branch Manager - NMLS# 655567 - CA DRE 2203108

COMPANY INFO

Privacy

 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.


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.

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.

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.