Where we lend · California (CA)
Investment property financingin California.
AIRE Lending is not yet lending in California. Join the waitlist and we will let you know when financing for investors in Los Angeles, San Francisco, San Diego and across the state becomes available.
The market
Investing in California,at a glance.
California is the largest real estate market in the United States by total value, with a combined housing stock worth over $9 trillion. Los Angeles dominates with a massive fix and flip market where experienced investors routinely profit $100K+ per deal on properties ranging from $600K to $2M+. San Francisco and San Jose remain among the most expensive markets in the world despite recent tech-sector cooling, while Sacramento has emerged as a value alternative attracting Bay Area refugees. San Diego combines strong military demand, tourism, and a thriving biotech sector. The Inland Empire (Riverside/San Bernardino) offers more affordable entry points with strong rental demand from LA commuters.
Markets we serve
- Los Angeles
- San Francisco
- San Diego
- Sacramento
- San Jose
- Oakland
Why AIRE Lending in California
- Programs scaled for California deal sizes — loans up to $5M for LA and Bay Area properties
- Experience with California's complex regulatory environment
- Construction financing for infill and ADU projects across the state
- DSCR programs that account for California's unique rent-to-value dynamics
- Fast closings critical in California's hyper-competitive market
Availability
Coming soonto California.
We're expanding to California soon. Join our waitlist to be the first to know when we launch.
Join the waitlistCalifornia licensing and compliance
California requires a California Finance Lenders License (CFL) or Department of Real Estate (DRE) broker license for loan origination. AIRE Lending is actively pursuing California licensing. Join our waitlist to be notified when California programs go live.
Questions, answered
Lending in California,explained.
When will AIRE Lending be available in California?
We are actively working on California licensing through the Department of Financial Protection and Innovation (DFPI). California is a top priority market. Join our waitlist to be the first to know when we launch CA programs.
What California markets will you focus on?
We plan to cover all of California — Los Angeles, San Francisco Bay Area, San Diego, Sacramento, the Inland Empire, and all surrounding areas. LA and the IE will likely see our highest volume given the active fix and flip markets.
What loan sizes will be available in California?
California's higher property values mean larger loan amounts. We anticipate offering loans up to $5M to accommodate LA, Bay Area, and San Diego deal sizes, while also serving the more affordable Inland Empire and Central Valley markets.
Will you finance ADU construction in California?
Yes. California's ADU-friendly legislation has created enormous opportunity for investors to add units to existing properties. We plan to offer ADU construction financing as part of our California program suite.