Non-QM Mortgage Specialists • Los Angeles, CA • NMLS 1763084
Non-QM Mortgage Loans in Los Angeles — Built for LA Borrowers
LA has the highest concentration of self-employed borrowers in the country — and the most expensive real estate. We specialize in bank statement loans, DSCR investor loans, Airbnb financing, and large loan amounts for Los Angeles borrowers who don’t qualify through conventional channels.
$850K+
LA median home price
12 Programs
No W-2 needed
35+ Years
in CA
21 Days
typical close
The Los Angeles Real Estate Market and Non-QM Lending
Los Angeles is one of the most complex mortgage markets in the US. Median home prices exceed $850K citywide and surpass $2M in neighborhoods like Beverly Hills, Bel Air, Pacific Palisades, and Manhattan Beach. The buyer pool is dominated by entertainment professionals, tech workers, entrepreneurs, and real estate investors — most of whom have unconventional income that traditional banks can’t underwrite. LA’s rental market is equally strong. DSCR investors benefit from rental rates among the highest in the nation. Airbnb hosts in Venice, Santa Monica, Hollywood Hills, and Downtown LA generate significant STR income. Fix-and-flip investors are active in every submarket from Highland Park to Compton to the San Fernando Valley. We know the LA market and we know how to get its borrowers approved.
Who We Serve in Los Angeles
- Entertainment professionals: actors, directors, writers, producers
- Tech workers at companies in Silicon Beach (Santa Monica, Playa Vista)
- Restaurant and hospitality entrepreneurs across LA County
- Healthcare professionals: doctors, dentists, specialists
- Cannabis business owners (dispensaries, cultivators, delivery)
- Import/export and international business owners
LA Real Estate Investors
- DSCR rental investors in Hollywood, Koreatown, Inglewood, and the Valley
- Airbnb hosts near Venice Beach, Santa Monica, Hollywood, and DTLA
- Fix-and-flip investors in Echo Park, Highland Park, Boyle Heights, Compton
- Spec builders in Brentwood, Pacific Palisades, Studio City, and Encino
- Multifamily investors (5+ units) across South LA and the East Side
- Commercial investors in strip centers, mixed-use, and light industrial
Non-QM Loan Programs Available in Los Angeles
All programs available for purchase, refinance, and cash-out in Los Angeles and surrounding CA markets.
Bank Statement Loans
Qualify using 12–24 months of bank deposits. The #1 program for self-employed Los Angeles borrowers.
DSCR Loans
Property cash flow qualifies you. No personal income required. Scale your Los Angeles rental portfolio.
Short-Term Rental Loans
Airbnb and VRBO income accepted. AirDNA projections count for Los Angeles-area STR properties.
Fix & Flip Loans
ARV-based bridge financing. Close in 5–14 days on Los Angeles-area rehab deals.
Asset Depletion Loans
Convert investment accounts and savings into qualifying income — no job required.
Hard Money & Bridge
7–14 day closings on Los Angeles-area deals. Asset-based, minimal documentation.
Ground Up Construction
Spec builder and owner-occupied construction financing for Los Angeles and surrounding areas.
P&L Statement Loans
CPA-prepared P&L replaces tax returns. Simplest doc path for Los Angeles business owners.
Large Loans to $35M
Portfolio lenders for luxury and large commercial transactions in the Los Angeles market.
Multifamily Commercial
5+ unit apartment and mixed-use financing in Los Angeles and CA.
Commercial Real Estate
Office, retail, industrial, and special-use commercial loans in Los Angeles.
Cannabis-Friendly Loans
State-licensed cannabis business owners approved where banks decline.
Non-QM Mortgage FAQ — Los Angeles
Can I qualify for a mortgage in LA using my entertainment industry income?
Yes. This is one of the most common scenarios we handle. Actors, writers, producers, and other entertainment professionals often have variable income, multiple 1099s, and loan-out corporations. Bank statement loans and P&L loans are perfectly suited for entertainment industry borrowers.
Are there DSCR loans for LA investment properties?
Yes. DSCR loans are extremely popular in LA because rental rates are high and can support strong DSCR ratios even at LA purchase prices. We actively originate DSCR loans for rental properties throughout LA County — from single-family homes to small multifamily.
Do you do Airbnb loans for properties in Venice or Santa Monica?
Yes. We use AirDNA market data and existing booking history to document STR income for properties in Venice, Santa Monica, Hollywood, Malibu, and other high-demand LA Airbnb markets.
What’s the largest loan you can do in Los Angeles?
We originate Non-QM loans up to $35 million in Los Angeles through portfolio lenders. Standard jumbo Non-QM programs go up to $3M–$5M. For luxury transactions in Beverly Hills, Bel Air, or Malibu, call us directly.
Why Abo Capital for Your Los Angeles Mortgage?
- 35+ years originating Non-QM loans in California, Florida, and Texas
- $500M+ funded across all three states for self-employed and investor borrowers
- 15+ loan programs — we find the one that works for your situation
- 50+ lender relationships — we shop the market, you get the best terms
- 24–48 hour pre-approval response on most programs
- 21-day closings on standard Non-QM; 7–14 days on hard money
- Licensed in CA (BRE 01167081), FL (MBR4882), and TX (SML)
- NMLS #1763084 — call us directly: (310) 312-1200
Ready to Get Approved in Los Angeles?
Tell us your situation — self-employed, investor, or both — and we’ll find the right program in 24 hours. No commitment required.