Can a purchase loan be used for a primary residence?

This guide covers business-purpose, non-owner-occupied investment property in California. Primary-residence and owner-occupied requests belong outside this hard-money hub.

Which property types may be considered?

Depending on the lender and transaction, single-family rentals, small or larger multifamily, mixed-use, and commercial property may be considered. Eligibility is case by case.

What should an investor submit first?

Start with the purchase contract, property details, business purpose, ownership, condition, valuation support, title and insurance information, borrower profile, reserves, and exit plan.

Is a purchase-loan structure guaranteed after an inquiry?

No. An inquiry starts a review only. Property, lender, state, licensing, underwriting, documentation, and availability requirements determine whether any option can be discussed.

Purchase Loans for Investment Property

Review business-purpose purchase-loan considerations for non-owner-occupied California investment property, from contract and valuation to exit and reserves.