Step 1
Share your deal
Share your deal
Tell us the property address, purchase price, and your plan. Takes 5 minutes.
CHINNI REALTY MORTGAGES
Stop losing LA deals to investors with faster financing
Chinni Realty Group funds real estate investors across Los Angeles. No W-2s required for DSCR loans.
Close in as little as 10 days on bridge and fix & flip deals.
Schedule a consultation
Close in as little as 10 days on bridge and fix & flip deals.
Up to 90%
LTC on fix & flip
No W-2
DSCR qualification
~10 days
Close on bridge loans
1–9 units
DSCR eligible
Fix & flip loans
Fix & lip financing
Short-term bridge capital to purchase and renovate investment properties. Funds are released in draws as construction progresses.
Fix & flip premium
Premium — 700+ FICO
Purchase LTV
Up to 90%
Rehab funding
100%
Min FICO
700+
Loan term
12 months
Typical close
~10 days
Fix & flip standard
Purchase LTV
Up to 85%
Rehab funding
100%
Min FICO
670+
Loan term
12 months
Heavy rehab
OK
Construction loan
Use
Ground-up builds
LTC
Up to 90%
Min FICO
670+
Repayment
Interest only during build
Draws
Staged by milestone
DSCR loans
DSCR rental loans — no income docs required
Qualify based on the property's rental income, not your W-2 or tax returns. Ideal for self-employed investors and portfolio builders.
DSCR — purchase or refinance
Long-term rental
Purchase LTV
Up to 80%
Cash-out refi LTV
Up to 75%
Min FICO
660+
Min DSCR
1.0x
Units
1–9
Income docs
None required
DSCR — STR / Airbnb
Short-term Rental
Underwritten using STR market data Purchase LTV
Up to 75%
Cash-out refi LTV
Up to 70%
Min FICO
660+
Income docs
None required
Data source
AirDNA / STR comps
2nd lien for investors
DSCR 2nd lien — pull equity from your rental portfolio
Already own rental properties?
A DSCR 2nd lien lets you access equity without refinancing your first mortgage — qualified on rental income only, no W-2 needed.
DSCR 2nd lien
A second mortgage placed behind your existing first loan. Use the cash to fund your next acquisition, pay off a bridge loan, or reinvest.
Max CLTV
Up to 75–80%
Min FICO
660+
Qualification
Rental income (DSCR)
Income docs
None required
Property types
1–9 unit rentals
Why a 2nd lien instead of a cash-out refi?
You keep your existing first mortgage rate — no need to give up a lower rate to access equity.
Faster to close than a full refinance — less documentation, less time.
No personal income verification — qualified on the property's cash flow alone.
Ready to fund your next deal?
Tell us about your property and we'll find the right program — usually same day.
Schedule a consulation
