Oakland is the Alameda County seat and the largest city in the East Bay, running from the Lake Merritt waterfront and Jack London Square up through Rockridge and Montclair into the redwood-covered hills. We help Oakland buyers, homeowners and investors with FHA, conventional, jumbo and multi-unit financing. Pacific National Lending works with real estate investors across Oakland who need financing that keeps up with their plans: purchase loans for rentals, cash-out refinances to fund the next acquisition, and programs that do not depend on tax returns. As a broker, we shop your investor loan across many lenders.
Call Pacific National Lending for investor loans in Oakland: (916) 526-2700
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Oakland is really a collection of very different markets: first-time buyers using FHA and conventional loans in the flatlands, heavy competition and overbidding for Craftsman homes in Rockridge, Temescal and Glenview, and jumbo loans for view homes in the hills. Duplexes, triplexes and condos are a large share of sales, so rental income rules and condo project approval come up on many files, as does wildfire insurance in the hills. When conventional guidelines stop working, DSCR loans in Oakland qualify on the property's rent instead of personal income, bank-statement loans use business deposits in place of tax returns, and portfolio lenders can finance investors with more than ten properties or unusual situations.
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Housing includes Craftsman bungalows in Rockridge, Temescal, Dimond and Laurel, Mediterranean and Tudor homes in Crocker Highlands and Glenview, condos and lofts around Lake Merritt and Jack London Square, and mid-century and contemporary homes in Montclair and the Oakland Hills. Investors in Oakland often use a cash-out refinance on an existing rental to fund the down payment on the next one. We help sequence those transactions so the timing, the loan limits and the debt ratios all work together.
Many Oakland investors hold rentals in an LLC. Conventional loans require individual vesting, while DSCR and portfolio loans usually allow LLC ownership, and we structure the loan to fit how you hold title.
We help borrowers with investor loans throughout Oakland, including Rockridge, Montclair, Temescal, Lake Merritt, and across the East Bay. Oakland is about an hour and forty-five minutes from our Gold River office via I-80.
For investor loans in Oakland, call Pacific National Lending at (916) 526-2700 or use the secure application on this page. A licensed loan officer will follow up within one business day.
Apply HereLearn more about the program itself: Investor Loans · All loan options · Purchase · Refinance · Today's rates
Area photo: "Lake Merritt 2022-06-16" by Robert Hsiao, CC BY-SA 4.0.
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