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Investor Loans in Malibu
Malibu investment properties carry seven-figure price tags and attract global buyers. Traditional financing often fails because the numbers don't fit standard boxes.
Seasonal rental markets and beach property appreciation require lenders who understand luxury coastal assets. Most portfolio lenders won't touch properties this expensive without perfect W-2 income.
Most Malibu investor loans qualify on property cash flow, not your tax returns. Lenders want 20-25% down and proof the rental income covers the mortgage payment.
Credit scores above 680 open most doors. Foreign nationals and entity buyers can qualify through specialized programs that ignore U.S. employment history.
Fewer than 30 lenders in our network will finance Malibu investment properties. The ones who do specialize in coastal California and understand vacation rental cash flow.
DSCR lenders dominate here because they underwrite to the property's rental income. Hard money works for rehab projects, but rates run 9-12% with one-year terms.
I've closed Malibu deals where borrowers showed $40K monthly income but the beachfront rental brought $25K per month. DSCR loans made those work when banks said no.
Expect six-week closings minimum. Title work on coastal properties takes longer, and lenders order extra environmental reports for anything near the Pacific Coast Highway.
DSCR loans offer 30-year fixed rates while hard money caps at 12 months. If you're buying to hold, DSCR wins every time despite slightly higher rates than conventional.
Bridge loans work when you're selling one property to buy another. They're expensive but let you move fast on opportunities in Malibu's tight inventory market.
Malibu's short-term rental restrictions change by neighborhood. Lenders check local ordinances before approving because illegal Airbnb income won't count toward qualification.
Fire insurance costs shock most first-time Malibu investors. Budget $15K-$40K annually depending on location, and some lenders require proof of coverage before funding.
Most lenders require 20-25% down for investor loans. Properties over $3 million may need 30% down depending on your credit profile and the loan program.
DSCR lenders use market rent appraisals to qualify you. They don't care about your tax returns—just whether the property's rental income covers the mortgage payment.
Rarely. Most exceed conforming loan limits and require income verification that doesn't work for real estate investors. Non-QM programs dominate this market.
Expect 45-60 days minimum. Coastal properties require extra environmental and title work that adds two weeks compared to standard closings.
DSCR loans typically run 1-2% above conventional rates. Hard money ranges from 9-12%. Rates vary by borrower profile and market conditions.
Mortgage financing for independent contractors and freelancers who earn 1099 income instead of traditional W-2 wages.
Mortgage programs that allow borrowers to qualify based on liquid assets rather than traditional employment income.
Non-QM loans that use 12 to 24 months of bank statements to verify income for self-employed borrowers.
Short-term financing that bridges the gap between buying a new property and selling an existing one.
Debt Service Coverage Ratio loans that qualify investors based on a rental property's income rather than personal income.
Mortgage programs designed for non-US citizens and non-permanent residents who want to purchase property in the United States.
Asset-based short-term loans primarily used by real estate investors for property acquisition and renovation projects.
Mortgages that allow borrowers to pay only the interest for an initial period, resulting in lower monthly payments upfront.
Home loans for borrowers who have an Individual Taxpayer Identification Number instead of a Social Security number.
Adjustable rate mortgages held in a lender's portfolio rather than sold on the secondary market, offering more flexible terms.
Non-QM mortgages that use a CPA-prepared profit and loss statement to verify income for self-employed borrowers.
Home loans with interest rates that adjust periodically based on market conditions after an initial fixed-rate period.
Specialized mortgage programs designed to support homeownership in underserved communities with flexible qualification criteria.
Mortgages that meet the guidelines and loan limits set by Fannie Mae and Freddie Mac for secondary market purchase.
Financing for building a new home or making major renovations, typically converting to a permanent mortgage upon completion.
Traditional mortgage financing not backed by a government agency, offering flexible terms and competitive rates for qualified borrowers.
Innovative loan products that leverage projected home equity growth to provide favorable financing terms.
Government-insured mortgages from the Federal Housing Administration with low down payments and flexible credit requirements.
A revolving line of credit secured by your home equity that allows you to borrow funds as needed during a draw period.
A fixed-rate second mortgage that provides a lump sum of cash by borrowing against the equity built in your home.
Mortgages that exceed the conforming loan limits set by the FHFA, designed for financing high-value luxury properties.
Loans for homeowners aged 62 and older that convert home equity into cash without requiring monthly mortgage payments.
Government-backed zero down payment mortgages for eligible rural and suburban homebuyers who meet income limits.
Government-guaranteed mortgages for eligible veterans, active-duty service members, and surviving spouses with zero down payment.