Real Estate Investor Loans in the Bay Area
Whether you're building a rental portfolio, financing your first investment property, or scaling into commercial, Chris Johnson has 30+ years of Bay Area experience and access to investor-focused loan programs that banks don't offer.
Who this is for
- Buy-and-hold rental investors
- House hackers
- Short-term rental (Airbnb / VRBO) owners
- Fix-and-flip investors
- Multi-unit property buyers
Loan programs
DSCR Loans
Qualify based on the property's rental income, not your personal income. No tax returns required — perfect for investors with strong cash-flowing properties and complex W-2 or self-employed income.
Fix-and-Flip Loans
Short-term financing for acquisition and renovation, with fast close timelines. Built for investors who need to move quickly on opportunities and recycle capital between deals.
Portfolio Loans
Finance multiple properties under one loan, or use flexible underwriting that traditional lenders won't touch. Great for scaling a rental portfolio without hitting Fannie/Freddie property caps.
Multi-Unit Financing
From 2–4 unit residential properties all the way up to full commercial multifamily depending on the building size. Options include conventional, DSCR, and small balance commercial.
Why Bay Area investors work with Chris
Deep local market knowledge
30+ years in the Bay Area means Chris knows the submarkets, the appraisers, and what actually closes here.
Access to wholesale lenders
Investor-only programs and pricing that retail banks simply don't offer.
Fast pre-approvals
When the right deal hits the market, you'll have a credible pre-approval ready to submit with your offer.
Experience with complex deals
Multi-property portfolios, mixed-use, short-term rentals, entity borrowers — Chris has structured them all.
Frequently asked questions
Ready to talk through your next deal?
A quick conversation usually clarifies the right structure — no pressure, no credit pull.
Talk to Chris About Your Investment Property