SBA Loan Requirements California 2026: How to Qualify
I’m Michael DiVita — DRE #01372066 | NMLS #241655, DiVita Home Finance (DRE #01818285 | NMLS #323700), Tiburon, CA. I’ve been in California mortgage lending since 2000 and founded DiVita Home Finance in 2007. Call (800) 239-1103. SBA loans are available to...DSCR Cash-Out Refinance California: Pull Equity Without Income Docs
A DSCR cash-out refinance is one of the most effective tools in the California investor’s toolkit — and one of the most underused. You’ve built equity in a rental property; now you convert it to capital for your next deal, without touching your personal...DSCR Loan for Vacation Rental Property in California
California vacation rental properties produce income that long-term rentals can’t touch — a Lake Tahoe cabin generating $90,000/year versus $36,000 in annual long-term rent isn’t unusual. A DSCR loan lets you use that STR income to qualify without W-2s or...
Mortgage Broker vs. Bank vs. Credit Union: Which Wins in California? (2026)
This question comes up every week in my consultations — bank, credit union, or mortgage broker? For most California buyers, the honest answer is that a broker wins on rate and program access almost every time. But there are exceptions, and I’ll give you the full...How AirDNA Income Is Used to Qualify for a Mortgage in 2026
AirDNA income qualification is one of the most useful tools in short-term rental financing — and one of the least understood. Lenders use it to approve DSCR loans on properties that haven’t yet operated as Airbnbs, projecting income from comparable STR listings...
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