Non-Owner-Occupied Loans

As one of the leading direct money lenders in Los Angeles, our owner & non-owner-occupied loans are one of the most competitive in the industry. We provide up to 65% LTV on purchases and up to 65% LTV on refinances.

In addition, our loans typically range from $25,000 to $4,000,000. Here are few more benefits in choosing Val-Chris:

SFR, Condominiums, Townhouses

  • Loan terms from 1 to 3 years
  • Stated income loan; and
  • No FICO score minimums.

Multi-Family Units (2+ units)

  • 65% LTV on purchases
  • 60% LTV on refinances (call for exceptions)

Commercial and Industrial

  • Up to 60% LTV on purchases; and,
  • Up to 55% LTV on refinances
  • Call for Exceptions

Diversify your investment portfolio and leverage capital with our non-owner-occupied loans. This type of loan is a mortgage designed for a residential property that the borrower will not live in. We can finance various property types, including single-family homes, multi-family properties, condominiums, and commercial properties.

Our non-owner-occupied loans allow real estate investors to capitalize on the city’s vibrant property market. With this type of investment, you can generate rental income that contributes to financial stability and long-term wealth accumulation. Another option is to earn money from the property’s increasing value. Market conditions, property improvements, and location desirability can help your property appreciate over time, leading to capital gains.

Real estate investments have historically shown resilience and the potential for attractive returns, making them a valuable component in a well-rounded investment strategy. In the loan application process, we will consider factors such as the property’s rental income potential, the borrower’s creditworthiness, and the property’s value to determine the terms and conditions of the loan.

Val-Chris Investments also offers owner-occupied loans in Los Angeles for borrowers who want to purchase or refinance a home as a primary residence when vested in an Limited Liability Company (LLC) or Corporation.

Our skilled team members will use their expertise to streamline the path to homeownership. Enjoy long-term financial benefits, such as building equity and potential property value appreciation.

Our private money services for brokers in Los Angeles ensure smooth and secure transactions. We believe that fast and reliable funding supports you and our mutual clients.

Our hard money options help clients and investors purchase property without restrictions that tie the hands of other lenders. Thanks to faster loan processing, the ability to accept alternative forms of collateral, and less required documentation, you can secure a loan and ensure that opportunities don’t slip through your fingers.

Quick access to capital helps you take advantage of time-sensitive investment opportunities. Grow your business, strengthen your investors’ portfolios, and satisfy borrowers with our services.

For more information, contact us today for underwriting and pricing guidelines as each situation is different. Our experts are very quick to respond and are ready to assist you with any questions.


  • Appraisal
  • Credit Report (must be no older than 2 months)
  • Completed 1003; and
  • A letter of loan purpose.