June Point Lending Launched DSCR Loans in California
The wholesale non-QM lender has expanded its rental property loan options to California brokers.
Updated on Oct. 6, 2026 in Apartments
Live Poll
Do you believe specialized, non-traditional mortgage products make real estate investing more accessible?
Wholesale lender June Point Lending has officially entered the California market with its suite of Debt Service Coverage Ratio (DSCR) loan products. This expansion marks the 19th state for the company, which utilizes proprietary technology to streamline the non-QM lending process.
Why it matters
The entry of a new wholesale lender targeting non-QM financing may increase access to credit for real estate investors seeking rental property loans. By automating workflows, the company intends to shift how brokers manage complex loan applications in the state.
California marks the 19th state where the lender now offers DSCR loans, supported by the founders' experience overseeing $20 billion in origination volume at a previous firm. The company now holds California Financing Law License No. 60DBO-213146.
The players
June Point Lending
A wholesale non-QM lender operating under NMLS No. 2707229 that provides rental property loans to investors through third-party brokers.
Deciens Capital
An investment firm that serves as the financial backer for the lender's growth and operations.
The details
California brokers can now utilize the company's proprietary technology to upload standard 1003 loan applications and receive eligibility results in minutes. By providing direct access to underwriters and dedicated account executives, the firm aims to replace the manual workflows typically associated with non-QM lending. These loan products, which focus on the rental property's income rather than personal income, are designed to assist investors who may not qualify under standard mortgage guidelines.
Timeline
October 6, 2026: June Point Lending announced the California launch.
Money Landscape
The entry of new non-QM lenders into California follows a trend of firms seeking to capture market share through automated technology. This move aligns with the broader push to modernize lending workflows for rental property investors.
Investors looking for rental property financing should check whether their mortgage broker is now integrated with this lender's platform. As with any commercial or non-QM product, consult a tax professional to understand how DSCR loan terms and interest rates might impact your long-term cash flow.
The takeaway
The expansion of wholesale non-QM options provides a new avenue for investors to source rental property financing in California. Keep a record of your rental property's income documentation, as this is the primary factor lenders use to determine eligibility under these specific loan programs.
Further reading
For more on local market trends, visit the Apartments section.
More information
For full details on these products, visit the June Point Lending company information portal.
Live Poll
Do you believe specialized, non-traditional mortgage products make real estate investing more accessible?
