Non-QM Mortgage Specialists • Orange County, CA • NMLS 1763084
Non-QM Mortgage Loans in Orange County — Irvine, Anaheim, Newport Beach & Beyond
Orange County is one of California’s most affluent and active real estate markets — with a large concentration of entrepreneurs, tech workers, and real estate investors. Bank statement loans, DSCR investment programs, and jumbo Non-QM are all widely used throughout the county.
$750K–$2M+
OC price range
Coastal STR
strong Airbnb markets
35+ Years
in CA
12 Programs
Non-QM options
Orange County Real Estate and Non-QM Lending
Orange County median home prices range from $750K in inland markets to well over $2M in coastal communities like Newport Beach, Laguna Beach, and Dana Point. The county’s economy supports a large professional class — tech workers at companies headquartered in Irvine, healthcare professionals, and small business owners throughout Orange County — many of whom have self-employment or variable income. The Orange County real estate investor market is equally robust. Coastal properties in Newport Beach and Laguna Beach are among California’s most sought-after Airbnb destinations. DSCR rental investors are active throughout central and south county. And the county’s commercial real estate market — industrial, retail, and mixed-use — generates consistent demand for commercial financing.
Who We Serve in Orange County
- Tech executives and engineers in the Irvine tech corridor
- Healthcare professionals, dentists, and medical practice owners
- Small business owners throughout OC (restaurants, retail, services)
- Real estate professionals and investors
- Korean, Vietnamese, and international business owners in Westminster and Garden Grove
- Retired or semi-retired high-net-worth buyers in coastal communities
OC Real Estate Investors
- Airbnb hosts in Newport Beach, Laguna Beach, Dana Point, and Huntington Beach
- DSCR rental investors in Anaheim, Garden Grove, and Santa Ana
- Fix-and-flip investors in older inland OC neighborhoods
- Multifamily investors in Anaheim, Orange, and Fullerton
- Commercial investors in the Irvine Business Complex and John Wayne corridor
- Large loan buyers purchasing luxury homes in Coto de Caza and Pelican Hill
Non-QM Loan Programs Available in Orange County
All programs available for purchase, refinance, and cash-out in Orange County and surrounding CA markets.
Bank Statement Loans
Qualify using 12–24 months of bank deposits. The #1 program for self-employed Orange County borrowers.
DSCR Loans
Property cash flow qualifies you. No personal income required. Scale your Orange County rental portfolio.
Short-Term Rental Loans
Airbnb and VRBO income accepted. AirDNA projections count for Orange County-area STR properties.
Fix & Flip Loans
ARV-based bridge financing. Close in 5–14 days on Orange County-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 Orange County-area deals. Asset-based, minimal documentation.
Ground Up Construction
Spec builder and owner-occupied construction financing for Orange County and surrounding areas.
P&L Statement Loans
CPA-prepared P&L replaces tax returns. Simplest doc path for Orange County business owners.
Large Loans to $35M
Portfolio lenders for luxury and large commercial transactions in the Orange County market.
Multifamily Commercial
5+ unit apartment and mixed-use financing in Orange County and CA.
Commercial Real Estate
Office, retail, industrial, and special-use commercial loans in Orange County.
Cannabis-Friendly Loans
State-licensed cannabis business owners approved where banks decline.
Non-QM Mortgage FAQ — Orange County
Do you serve all Orange County cities?
Yes — Irvine, Anaheim, Santa Ana, Huntington Beach, Garden Grove, Orange, Fullerton, Costa Mesa, Newport Beach, Laguna Beach, Mission Viejo, Lake Forest, Rancho Santa Margarita, Yorba Linda, Brea, and all OC communities.
Can I use an OC Airbnb property to qualify for a loan?
Yes. Newport Beach, Laguna Beach, Dana Point, and Huntington Beach are high-demand STR markets. We document income using AirDNA projections or your existing booking history for STR qualification.
Are there jumbo Non-QM loans for Orange County luxury homes?
Yes. For purchases in Newport Coast, Pelican Hill, Laguna Beach, and other high-value OC communities, we originate Non-QM jumbo loans from $2M to $10M+ through portfolio lenders.
Do you work with Orange County’s Korean and Vietnamese business community?
Yes. We have extensive experience working with immigrant business owners throughout OC. Our bank statement and P&L programs are well-suited for cash-intensive businesses common in the Korean and Vietnamese business communities.
Why Abo Capital for Your Orange County 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 Orange County?
Tell us your situation — self-employed, investor, or both — and we’ll find the right program in 24 hours. No commitment required.