Best Conventional Lenders in California (2026)
Compare conventional lenders serving California real estate investors. Browse nationwide conventional lenders available to California investors.
Investing in California
Highest property values in the US, strong appreciation but challenging cash flow. Strict rent control in major cities. Out-of-state investors often use California equity to invest in cash-flow markets.
Key Markets
Typical Rates
6.0%–7.5%
Max LTV
75%–80%
Typical Terms
15 or 30-year fixed
Min Credit
680–720
About Conventional Investment Property Loans in California
Traditional Fannie Mae/Freddie Mac-backed mortgages for investment properties. The lowest rates available for investors, but require personal income qualification and are limited to 10 financed properties.
California real estate investors use conventional investment property loans for investors with strong w-2 or documented income and first 1–10 investment properties. Compare conventional terms from multiple lenders to find the best fit for your California investment strategy.
Other Loan Types in California
Conventional Lenders in Nearby States
Analyze Your California Deal
Use our free calculator to see if your California investment works with Conventional financing.