Licensed in California • NMLS 1763084 • CA BRE 01167081
California Non-QM Mortgage Lenders — Approval Without the W-2
California has some of the most expensive real estate in the country and some of the most entrepreneurial borrowers. We specialize in Non-QM mortgages for self-employed Californians, real estate investors, Airbnb hosts, and high-net-worth buyers who don’t fit the bank mold.
35+ Years
California licensed
CA BRE
01167081
$500M+
funded in CA
12 Programs
No W-2 required
Why California Borrowers Need Non-QM Lending
California is the self-employment capital of the US. From tech founders and entertainment professionals in Los Angeles to biotech executives in San Diego and restaurant owners throughout the Central Valley, the state’s economy produces millions of borrowers whose income doesn’t fit on a W-2. At the same time, California home prices — averaging over $800K statewide and exceeding $1.5M in coastal markets — mean that even modest loan requests quickly exceed conforming limits. Traditional banks serving California are increasingly ill-equipped for the state’s actual borrower base. Write-offs that legally reduce taxable income disqualify perfectly creditworthy business owners. Airbnb income from beachfront properties gets ignored. DSCR investors who own 15 rental units hit DTI ceilings. Non-QM lending exists precisely to serve California’s real economy — and we’ve been doing it here for over 35 years.
Self-Employed California Borrowers
- Tech founders, startup executives, and software contractors
- Entertainment industry: actors, producers, writers, agents
- Restaurant, retail, and hospitality business owners
- Medical and dental practice owners
- Cannabis dispensary operators and cultivators (state-licensed)
- Import/export and logistics business owners
California Real Estate Investors
- DSCR investors building long-term rental portfolios
- Airbnb and VRBO hosts on the coast and in resort markets
- Fix-and-flip investors in LA, SD, and the Bay Area
- Ground-up spec builders in Southern California
- Multifamily investors (5+ unit apartment buildings)
- Commercial real estate investors statewide
Non-QM Loan Programs Available in California
All programs available for purchase, refinance, and cash-out in California and surrounding CA markets.
Bank Statement Loans
Qualify using 12–24 months of bank deposits. The #1 program for self-employed California borrowers.
DSCR Loans
Property cash flow qualifies you. No personal income required. Scale your California rental portfolio.
Short-Term Rental Loans
Airbnb and VRBO income accepted. AirDNA projections count for California-area STR properties.
Fix & Flip Loans
ARV-based bridge financing. Close in 5–14 days on California-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 California-area deals. Asset-based, minimal documentation.
Ground Up Construction
Spec builder and owner-occupied construction financing for California and surrounding areas.
P&L Statement Loans
CPA-prepared P&L replaces tax returns. Simplest doc path for California business owners.
Large Loans to $35M
Portfolio lenders for luxury and large commercial transactions in the California market.
Commercial Real Estate
Office, retail, industrial, and special-use commercial loans in California.
Cannabis-Friendly Loans
State-licensed cannabis business owners approved where banks decline.
Non-QM Mortgage FAQ — California
Do you lend in all California counties?
Yes. We are licensed statewide and originate loans in all 58 California counties — from Los Angeles and San Diego to the Bay Area, Sacramento Valley, Central Valley, and rural Northern California.
What is the maximum loan amount in California?
Our Non-QM programs in California go up to $35 million through portfolio lenders. Standard programs handle up to $3M–$5M. High-balance and jumbo amounts are available in all California counties.
Can I use Airbnb income to qualify in California?
Yes. We use AirDNA market projections or existing booking history to document STR income in California markets including Palm Springs, Big Bear, Lake Tahoe, Malibu, Santa Barbara, Joshua Tree, and all coastal markets.
Do you offer bank statement loans for California business owners?
Yes. This is our most popular California program. Self-employed borrowers submit 12 or 24 months of bank statements in lieu of tax returns. Write-offs and business deductions do not count against you.
Is cannabis income acceptable in California?
Yes. California has a robust licensed cannabis industry. We work with lenders who accept income from state-licensed cannabis businesses — dispensary owners, cultivators, processors, and distributors.
What California cities do you serve?
All of them. We actively originate in Los Angeles, San Diego, San Francisco, Orange County, Sacramento, Inland Empire, Palm Springs, Long Beach, Oakland, Fresno, Bakersfield, and every market in between.
Why Abo Capital for Your California 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 California?
Tell us your situation — self-employed, investor, or both — and we’ll find the right program in 24 hours. No commitment required.