Investment Property · Marina del Rey, CA
Investment Property Loans in Marina del Rey — DSCR, Conventional, Fix & Flip & More
Financing an investment property in Marina del Rey isn't one loan — it's a menu: conventional investor (15–25% down), DSCR (qualify on the rent, no personal income), fix-and-flip, hard money, and bank statement. Save Financial (NMLS #377740), a local broker at 13763 Fiji Way, Suite EU2, compares them all to fit your deal. Call (310) 759-4757.
The Westside is expensive to buy in but strong for rentals — marina condos, Venice income properties, and small multifamily near the coast. Financing an investment property here isn't one loan; it's a menu. If your income supports it, conventional investor money is cheapest (15% down on a single-family rental, 25% on a 2–4 unit). If you'd rather qualify on the rent, a DSCR loan skips personal income entirely. Add fix-and-flip for value-add and hard money for speed. The right structure depends on the deal and on you — and shopping it is where a broker earns their keep.
Looking for an Investment Property Loan Near You in Marina del Rey?
Our Westside home office lets an investor sit down with a licensed loan officer, run the deal's numbers, and pick the loan that fits the property and the strategy — not a distant call center with one product.
Save Financial — Marina del Rey office
13763 Fiji Way, Suite EU2, Marina del Rey, CA 90292
Phone: (310) 759-4757
Hours: Monday–Friday 8:00 AM–5:00 PM, Saturday 10:00 AM–2:00 PM (Sunday closed) PT
The office is just off Fiji Way near the main channel of the marina, with convenient parking and quick access from Lincoln Boulevard and the 90 Marina Freeway. We serve Westside investors from our Marina del Rey office across the neighborhoods below.
Investment Property Appreciation Calculator
See how a rental could grow in value over time — and the equity you’d build — while a DSCR loan lets you qualify on the property’s rent.
Property Value
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For illustration only. Projects compounding appreciation at the rate you choose and does not guarantee any result. Property values rise and fall with the market; past appreciation does not guarantee future performance. Not an offer to lend, an appraisal, or investment, tax, or financial advice. Excludes purchase costs, financing, taxes, insurance, maintenance, and vacancy. Save Financial, NMLS #377740, DRE #01875766, Equal Housing Opportunity.
Areas We Serve Near Our Marina del Rey Office
Here is how investment financing tends to fit for investors across the areas we cover from Marina del Rey:
- Marina del Rey: condo and small-multifamily rentals financed by DSCR or conventional investor loans.
- Venice: income properties and value-add flips near the boardwalk.
- Playa del Rey: coastal rentals and short-term-rental purchases.
- Playa Vista: condo investors qualifying on rent with DSCR.
- Santa Monica: high-value rentals and 2–4-unit buildings.
- Culver City: BRRRR investors buying, rehabbing, and refinancing to DSCR.
- West Los Angeles: single-family rentals and duplex investors.
- Mar Vista: small-multifamily and ADU-income properties.
- Westchester: LAX-area rentals and portfolio purchases.
These are service areas of our Marina del Rey office, not separate offices.
Ways to Finance an Investment Property
An investment property loan finances real estate you rent to tenants rather than live in. There's no single product — the right one depends on your income, the property, and your strategy. Here are the main paths:
| Investor loan | How you qualify | Typical down | Best for | Learn more |
|---|---|---|---|---|
| Conventional investor | Your income (W-2 or tax returns) | 15% single-family / 25% on 2–4 unit | Investors with few properties who want the lowest rate | Conventional |
| DSCR | The property's rent — no personal income | 20–25% | Rent-covers-payment deals and portfolio investors | DSCR |
| Fix & Flip | The deal's after-repair value (ARV) | Varies by experience | Buy-rehab-resell and BRRRR acquisition | Fix & Flip |
| Hard money | Asset / equity | Varies by equity | A fast close or a bridge | Hard money |
| Bank statement | Your bank deposits | Program-dependent | Self-employed investors with big write-offs | Bank statement |
Conventional investor financing is usually the cheapest if your income qualifies — 15% down on a single-family rental, 25% on a 2–4 unit. Prefer to leave personal income out of it? DSCR qualifies on the property's rent (20–25% down, 620–680 FICO by LTV). A $600,000 rental, for reference, generally needs $90,000–$150,000 down. Larger down payments lower your rate and improve cash flow, and short-term rentals (Airbnb) can be financed too. Building a portfolio? We regularly close the 11th, 20th, and 30th property using DSCR or portfolio programs. Investment-property loans are for non-owner-occupied real estate and typically carry a slightly higher rate and larger down payment than an owner-occupied loan. All loans subject to credit approval, income/asset or cash-flow documentation, and property review. Save Financial, NMLS #377740, DRE #01875766, Equal Housing Opportunity.
Common Investor Scenarios in Westside
- A buyer financing a Marina del Rey condo rental on a DSCR loan, no personal income.
- A W-2 investor putting 25% down on a Venice duplex with conventional financing.
- A BRRRR investor buying with fix-and-flip, then refinancing into DSCR to hold.
- An owner adding a short-term rental in Playa del Rey.
- A portfolio investor closing their 12th property with a DSCR or portfolio program.
Which Investment Loan Is Right for You?
- Strong documentable income and few properties — conventional investor is usually cheapest.
- Want to qualify on the rent, not your income — DSCR (20–25% down).
- Buying to rehab and resell or BRRRR — fix-and-flip for the acquisition.
- Need speed or a bridge — hard money; self-employed — bank statement.
Investor Loan Options at a Glance
The five paths again, side by side — we'll price the ones that fit your deal:
| Investor loan | How you qualify | Typical down | Best for | Learn more |
|---|---|---|---|---|
| Conventional investor | Your income (W-2 or tax returns) | 15% single-family / 25% on 2–4 unit | Investors with few properties who want the lowest rate | Conventional |
| DSCR | The property's rent — no personal income | 20–25% | Rent-covers-payment deals and portfolio investors | DSCR |
| Fix & Flip | The deal's after-repair value (ARV) | Varies by experience | Buy-rehab-resell and BRRRR acquisition | Fix & Flip |
| Hard money | Asset / equity | Varies by equity | A fast close or a bridge | Hard money |
| Bank statement | Your bank deposits | Program-dependent | Self-employed investors with big write-offs | Bank statement |
Most investors mix these over time — fix-and-flip to acquire, DSCR to hold, conventional where income qualifies. We structure the whole plan, not just one loan.
Why Work With a Local Marina del Rey Mortgage Broker?
Investor lending rewards options: conventional, DSCR, fix-and-flip, hard money, and bank-statement lenders all price and qualify differently, and one deal can pencil under several. As a broker we shop them together. Our office is in Westside, so we know local rents, condo and small-multifamily values, and how to structure the acquisition and the exit.
Bring your deal and get a straight answer from a licensed local loan officer. Call the Marina del Rey office directly at (310) 759-4757. Investment-property loans are for non-owner-occupied real estate and typically carry a slightly higher rate and larger down payment than an owner-occupied loan. All loans subject to credit approval, income/asset or cash-flow documentation, and property review. Save Financial, NMLS #377740, DRE #01875766, Equal Housing Opportunity.
How to Finance Your Investment Property with Save Financial
- Tell us the Westside property, the rent, and your income picture. Start online or call (310) 759-4757.
- We compare conventional, DSCR, fix-and-flip, hard money, and bank-statement options for the deal.
- We shop lenders for the best structure and issue your pre-approval.
- You close, and we plan the next property — including the refinance or portfolio path.
Serving Marina del Rey: Save Financial arranges these loans in Marina del Rey and across Westside Los Angeles from our Marina del Rey office. We are a California-licensed mortgage brokerage (NMLS #377740, DRE #01875766), Equal Housing Opportunity, and shop multiple lenders for your best terms. This page is informational and not a commitment to lend; all loans are subject to credit approval, income and property review, and program availability. Call 310-759-4757 or apply online.