Del Financial is a wholesale broker network with 45+ years shopping rates across dozens of DSCR, bridge, jumbo, and reverse mortgage lenders — so you get the right program at the best price, not whatever a single bank happens to offer.
Estimate only. Final terms based on full application, credit, appraisal, and lender guidelines.
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 done this 10,000+ times 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.
"Closed my 11th rental in 19 days. Conventional wouldn't even talk to me — Del shopped three DSCR lenders and got me a rate 0.4% lower than the quote I had from Kiavi."
"After my husband passed, the reverse mortgage gave me a monthly check for life and let me stay in our home. The team walked me through every step with patience and zero pressure."
"I needed a $3.4M jumbo on a coastal property with self-employed income. Two banks said no. Del got it done in 24 days with a portfolio lender I'd never even heard of."
While the big banks were inventing — and then losing — sub-prime, Adjustable-Option ARMs, and Quicken-style hold-music, Del Financial just kept doing one thing: matching California borrowers to the right loan at the best price.
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.