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*Loan Estimate or Good Faith Estimate must be dated within previous 7 days using same income documentation type. Subject property must be located in California. Better terms defined as having a lower APR, a higher CLTV, or both. Competing offer must be provided by institutional lender that borrower has no depository relationship with nor as a condition of loan terms and loan amount must be greater than $750,000 USD. Any timeline guarantees are subject to start upon delivery of all requested documents. Credit score and other factors can affect terms. **DSCR is calculated by dividing gross rental income by principal, interest, taxes, insurance, and association dues (PITIA). Quoted pricing assumes a minimum 1.0 DSCR and a five-year prepayment penalty of 5%. Rates and pricing are subject to change based on verified borrower and property information, including differences in FICO scores, higher loan-to-values (LTV) resulting from actual lien balances or appraised values, lower verified market rents, previously undisclosed property taxes, insurance premiums or association dues, undisclosed mortgage delinquencies or foreclosure proceedings, property classification, or selection of different prepayment penalty terms. Changes resulting from these factors are excluded from our No Bait-and-Switch Guarantee. Interest rates are subject to daily market fluctuations and are not guaranteed until locked. Final loan terms are subject to underwriting approval and program eligibility. Click here for the full terms and conditions of our No-Bait-and-Switch Guarantee. LA Mortgage Dude © 2026 Rajesh Bhavnani. NMLS #2513002. Licensed in Arizona, California, Colorado, Florida, Georgia, New Jersey, North Carolina, Oregon, Pennsylvania, Texas, Washington, and Virginia. NMLS Consumer Access Site.

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