Rental Property Loans in Sacramento California

For the last decade, Optimus Capital has been a leader in rental loan lending in Sacramento. With our corporate office headquartered here, we’re in a prime position to guide you in your journey to obtain a rental property loan.

Flexible Loans for Real Estate Investors

A Trusted Rental Loan Lender in Sacramento

We at Optimus Capital may be able to assist you in obtaining a rental property loan.

Optimus Capital can assist you with financing a single asset for buy and hold or refinancing a portfolio of real estate assets such as single-family properties.

In Sacramento, Optimus Capital Inc. has worked with many property investors. We are experienced in the greater Sacramento region in purchasing our own properties and providing loan solutions to our investor clients.

Real estate investors continue to take advantage of the real estate market in Sacramento.

Acquiring capital from a typical bank has its hurdles. Optimus Capital, as a private money lender, can help you expand your rental property portfolio right here in Sacramento, California, or throughout the state or country.

Single-family homes, multi-family homes, and commercial properties are all eligible for Optimus Capital loans. We offer an entire suite of loan programs.

We offer a simple loan approval process. Our rates are very competitive. We encourage you to contact our team so that one of our sales managers can assist you.

Serving The Investor Community For 9+ years.

90% Hard Money Loans

Full service Rental loans

as a lender in sacramento we offer:

Fix & Flip loans

We offer fix and flip loans up to 90% of the purchase and 100% of rehab. Draws are quick to keep your project on track. Close in 10 days or less.

Get in touch with us today.

New Construction

We provide new construction financing for builders. Single lot or entire subdivisions, Optimus Capital can finance your next project up to 80% of the cost.

multifamily Loan

In additional to our rental loans, we offer short and long-term funding solutions for both commercial purchases, refinances, and cash-out financing.

What Are Rental Property Loans?

A rental property loan is a first-lien mortgage secured by a single-family residence that is inhabited by a renter instead of the landowner. To be eligible, the residence must be ready to rent. The renter normally signs a one-year contract with the landowner, but short-term rentals, such as holiday homes, can also be financed with our rental property loans.

Financing for Airbnb single-family houses in Sacramento, CA, is now available through one of our latest loan programs.

Optimus Capital’s rental property loans are typically easier to secure than a regular bank mortgage. Optimus Capital requires much less documentation than a traditional financial institution.

Rental Property Loans In Sacramento

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What Are The Requirements Of A Rental Property Loan In Sacramento, CA?


Rental Income

By combining the rental revenue from the property with your credit score and some other factors, you may be eligible to secure a refinance rental property loan.

One significant indicator Optimus Capital considers is your existing debt on the property in comparison to the current market value of the single-family rental home.


Good Credit Score

If your complete financial picture is good and you can demonstrate the ability to repay, then Optimus Capital is more accommodating on down payment requirements and interest rates.

A reasonable credit score is required to receive approval for rental property financing. It’s best to give us a call to discuss your circumstances, and we’re more than happy to offer advice and solutions. 


Down Payment

A single-family rental home will usually require a minimum of 20-25 percent down payment, depending on your credit score and the property’s cash flow. A down payment of at least 25% is necessary to buy a multifamily (5+ units) residence in Sacramento, CA.

 Every one of Optimus Capital’s Inc. rental loans are issued to non-owner-occupied borrowers. This means the single-family investment home cannot be your primary residence.


Cash Reserves

If you receive a rental property loan, you are responsible for maintenance, repairs, and property holding costs.

It is not always required to have six months of reserves to obtain a rental loan. The amount of capital you’ll need in reserves is determined by the type of rental property loan product that you receive.

Advantages Of Getting A Rental Property Loan From Optimus Capital

Receiving a rental property loan for Sacramento, California, from Optimus Capital is the way to go if you wish to grow your real estate portfolio. You can access the capital needed and leverage your existing cash reserves.

Optimus Capital provides refinance options for rental properties. Our rental investment property loans are considered “asset-backed loans”. These types of loans are usually easier and much faster to obtain. We don’t need to see your paystubs or personal income in order to provide a rental property loan.

We offer excellent new construction loans for real estate investors in Sacramento if you plan to build or have a new construction project now.

Hard Money In Sacramento CA

Investing In

Rental Property Loans In Sacramento

Investing in the Sacramento property market via a rental loan can offer numerous benefits to investors. Sacramento, the capital city of California, has experienced significant growth and development in recent years, making it an attractive location for real estate investment. 

Sacramento has a robust rental market with a high demand for housing. The city’s growing population, coupled with the influx of job opportunities, ensures a steady pool of potential tenants. Investing in rental properties allows you to tap into this demand and generate a consistent stream of rental income.

The Sacramento property market has shown a history of steady appreciation. By leveraging a rental loan, you can benefit from potential appreciation over time, allowing your investment to grow in value.

Rental Property Loans Sacramento FAQs

Frequently Asked Questions

Hard money lenders focus more on the property’s value rather than the borrower’s credit history. Therefore, even if you have less-than-perfect credit, you may still be eligible for a rental property loan based on the property’s potential and your ability to generate rental income.
Our hard money rental property loans typically cover single-family homes, duplexes, triplexes, and 4-plex properties. These types of properties are commonly sought after by real estate investors looking to generate rental income.
Loan terms and repayment options can vary depending on the specific hard money lender. Generally, our rental property loans are long-term loans with a term of 30 years.

Hard money lenders specialize in providing quick access to capital. The approval process can be expedited, and if your application is complete and meets the lender’s criteria, funding can be available within a matter of days or weeks. In most cases, an appraisal is needed.

The loan amount you can borrow for a rental property depends on various factors, including the property’s value, its income potential, and the lender’s loan-to-value (LTV) ratio. Typically, hard money lenders offer LTV ratios ranging from 65% to 75%, meaning you may be able to borrow up to 65% to 75% of the property’s appraised value. We at Optimus Capital can go up to 80% in certain situations.


We’ve helped Hundreds of Property investors in sacramento secure rental property loans

Don’t just take our word for it! As a leading provider of rental property loans in Sacramento, we let our customers speak for us. 

reviews on google


Google Review


“I am experienced commercial real estate investor and this is my second transaction with this broker. I had some challenges with my loan and they handled it very professionally. Briana did follow up with me on every step of the process. Will definitely use them again.”

reviews on google


Google Review


“They’ve done three loans for me now, and each time they’ve been great! Very diligent and attentive, and they make the process go so smoothly. I also feel like they’re always taking an extra step to make sure my deals go well for me. These are my go-to people for loans!”

reviews on google


Google Review


“My experience was extremely positive. Their professionalism, expertise, customized solutions, efficiency, transparency, and outstanding customer service set them apart from other construction loan providers. I would highly recommend Optimus Capital Inc. to anyone seeking financing for their construction projects.”

Rental Property Loans In Sacramento california.
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Optimus Capital Inc. is the Sacramento company that you can count on to secure your rental property loan. 

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