Have you recently purchased a home in California and you can’t refinance with the current appraised value? Unlike Fannie Mae or Freddie Mac’s strict guidelines, we can refinance your investment property right after your recent purchase. At Gold Coast Lending we have a loan that takes advantage of your true property value. Often times, property investors will buy homes using hard money funds or cash to close quickly on a good deal. If you’re looking to hang on to the property you just purchased for longer than one year, this may be the perfect loan program for you. Buy today and refinance tomorrow using the current value vs the purchase value.

You may even want to pull cash-out so you have funds for your next purchase.  If you have improved the property since the purchase that’s great but it’s not required, we just need an appraiser to conclude the new value which may be higher than your original purchase price.  This program also offers the opportunity to get into a stable long term loan such as a 30-year fixed or perhaps you will want a 5-7 year option.

What’s a rental property loan with no seasoning on the property’s value?

No seasoning allows us to base a loan off the current “As-Is” value as opposed to your recent purchase price.


  • Loans Amounts Up To *3.5mm
  • FICO Scores As Low As *620
  • No Seasoning on Rate-and-Term or Cash-Out Loans
  • Rate-and-Term LTV up to 80% (min 660 FICO)
  • Cash-Out LTV up to 75% (min 660 FICO)
  • Interest-Only Payment Option
  • No Debt-To-Income Ratio
  • Qualify with as little as 0 months reserves (Use property cash flow to qualify)
  • *Some restrictions apply consult with a (GCL) loan officer for more details.

How It Works

It’s easy and no tax returns are needed!
Follow the steps below to review what’s required.

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Step 1
Information Needed:
- Your rental income
- Property taxes/insurance
- Credit score
- Property value
- Amount owed
- Desired loan amount

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Step 2
- Loan application
- Lease agreement
- Credit report
- Property appraisal
- Payoff requested
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Step 3
Closing Your Loan:
- Loan is funded
- Loan records
- You receive funds

To start call 805-364-0488 or click here

Is My Credit Score a Factor in Getting Approved?

Your credit score will determine two things. One is the max loan-to-value (LTV) you will be offered. Second is the rate you will be offered.  If you don’t see the loan program that meets your exact needs, please reach out to us as we offer various loan programs.  (A credit to D)

Here’s some of the strategy’s that investors use to produce a passive income and build a real estate portfolio.

Buy, Rehab, Rent, Refinance, Repeat (BRRRR). You might find a property that’s needs renovation that you can quickly fix and rent. The BRRRR method involves keeping properties to build a real estate portfolio. Then you will be in position to get a cash out refinance loan using the increased property value which would be much higher than the original purchase. Another way our borrowers increase their profits is purchasing a properties to fix-and-flip. We offer both fix-and-flip and long term rental property loan programs to better serve our property investor borrowers.

Get fast & dependable rental property loans from Gold Coast Lending

We offer rental property home loans that allow property investors to grow their real estate portfolios.

We offer a wide selection of home loan products including Fannie Mae and Freddie Mac rental property refinance loans.

Gold Coast Lending has the expertise to help you with your investment properties. Unlike the featured loan program at the top of the page, below is the loan-to-value (LTV) rules set by Fannie Mae and Freddie Mac, which are as follows:

Fannie Mae rental property refinance max LTV:

Freddie Mac rental property refinance max LTV:

Fannie Mae and Freddie Mac have stricter guidelines but they may provide you with better terms. We would be happy to talk to you about your options.

Recently Closed Loans

San Diego Refinance

Rental Refinance Loan

LTV: 78.9%

30 Year Fixed

Refinance Your Rental Property Today

If you are ready to refinance into a lower interest rate than you currently have or get the cash out you need,
call to schedule your consultation,805-770-2476 or 805-364-0488 or Apply Online