Del Financial is a wholesale broker network with 45+ years shopping options across dozens of DSCR, bridge, jumbo, and reverse mortgage lenders — so you can compare competitive programs for your scenario.Qualify using rental cash flow—not tax returns. We shop 40+ lenders and send your strongest options.
DSCR (Debt Service Coverage Ratio) loans use the property's rent — not your tax returns — to qualify. Perfect for scaling beyond Fannie Mae's 10-property cap, self-employed investors, and anyone who's tired of explaining bank statements.
Direct lenders like Kiavi and Visio quote you their price. We quote you the best of 40+ lenders on the same file — often 0.25–0.75% lower, with more flexible LTV and DSCR thresholds.
Whether you're scaling a rental portfolio, buying your first home, or unlocking equity in retirement — we have a lender for it.
We've been doing this since 1981. The process is boring on purpose — that's why we close on time.
Share the property and rent (or projected rent). We shop 40+ lenders and come back with the best three options — no credit pull required.
Day 1Compare rate, LTV, points, and prepayment penalties side-by-side. We lock the rate the same day you choose.
Day 2–3Driver's license, LLC docs (if vested), insurance binder, and rent comps. No tax returns. No bank statements for most programs.
Day 4–10Appraisal, title, and final loan docs — signed wherever you are. Funds wired the same day docs record.
Day 14–21A reverse mortgage (HECM) is federally insured by HUD. You stay in your home, keep the title, and convert equity into a lump sum, monthly income, or a line of credit you can draw from for life. Del Financial has been guiding California families through reverse mortgages for over two decades. Jumbo "proprietary" reverse options are available from age 59.
Client feedback previously published by Del Financial. Names are abbreviated for privacy.
Sandra described a positive mortgage experience, consistent progress updates, and satisfaction with the interest rate she received.
Jeff reported working with Randy for two decades and praised his ability to manage refinances on time and seamlessly.
Lee described Randy as a true professional with strong follow-up who made the loan process feel simple and quick.
Through shifting markets and changing loan programs, Del Financial has kept its focus on one thing: matching California borrowers to a competitive loan option for their situation.
We're independent. We don't have a sales floor with monthly quotas. Our loan officers average 17 years in the business. That's why so many of our clients are now closing their fourth, fifth, or sixth loan with us.
Founded as a jumbo-specialist broker for the coastal California market.
Became one of the first California brokers certified to originate HUD HECM loans.
While 60% of CA brokers closed, our pipeline grew through referrals from clients we'd never burned.
Now the #1 program for serious real estate investors — and Del's fastest-growing line of business.
Tell us the property and rent. We'll come back within 24 hours with the best three lender options — and no credit pull until you say go.