Investor and Business-Purpose Lending, Nationwide

Owner-occupied home loans in California.

Don't settle for one institution's limited options. We review your file and handpick the perfect lending solution from a network of over 20 trusted partners. You get a loan designed for your reality, not a one-size-fits-all box.

Request a Scenario Analysis(256) 573-3733

DRE #01510659No disciplinary action on record

Scale your real estate business with capital actually designed for investors. From DSCR and fix-and-flips to hard money and construction, we secure the flexible, business-purpose financing you need to fund your projects nationwide. Expertly brokered under Eric Figueroa, Broker of Record, so you can invest with confidence.

View all loan programs
  • 20+lendersOn the panel your file is shopped to
  • 2005Licensed sinceA broker since 2009
  • 200+loans closed50+ in the last twelve months
  • 5.0from 6 reviewsOn the Zillow lender profile — read them there

About Loankey

Financing Built Around Your Scenario, Not a Lender's Menu.

At Loankey.io, we don't force your file into one institution's rigid box. Led by Eric Antonio Figueroa in Irvine, California, our real estate and mortgage brokerage strategically matches your unique goals with the perfect lending program.

We deliver the exact capital you need, exactly where you need it:

  • Nationwide: Flexible, business-purpose and investor financing to scale your portfolio.
  • California: Specialized owner-occupied home loans to secure your primary residence.
More about Loankey

California real estate broker license

DRE #01510659

  1. 2005First licensed
  2. 2009Broker
  3. TodayLicensed

Committed to Transparency

Regulatory Record
Clean—No disciplinary action on record.

Member of

  • NARNational Association of REALTORS®
  • C.A.R.California Association of REALTORS®

Priority products

Nationwide

DSCR Loans

Qualify on the property's rent instead of your personal income. No tax returns, no debt-to-income calculation, entity borrowing normal, no limit on how many you finance.

Read more

View all loan programs

DSCR calculator

Work out whether the rent covers the payment

Enter the rent, the loan, the rate you have been quoted elsewhere, and the monthly carrying costs. You get the ratio, the arithmetic behind it, and which of the three program bands it lands in — including the bands below 1.00, which most calculators simply call a decline.

The rent
The loan

Enter the rate quoted to you. No rate is supplied or suggested.

Monthly carrying costs

Your ratio

—

Fill in the rent, the loan amount, the rate and the term. The ratio updates as you type.

Request a Scenario Analysis

For illustrative and educational purposes only. Results produced by this calculator perform arithmetic based solely on numbers you enter and do not reflect actual loan offers, interest rate quotes, or commitments to lend. Actual loan terms, payments, interest rates, and approval depend on complete underwriting, credit review, property valuation, and lender guidelines. Loankey.io arranges loans through third-party lenders; loans are not funded directly by Loankey.io.

How it works

Four short stages. The first two explain the analysis that happens before a file moves forward.

The journey begins with your situation, not a generic application. If you choose to proceed, the selected program determines the documents and lender review that follow.

  1. Before a file moves forward

    1. Scenario analysis

      You describe the property, your income documentation, and what you want to accomplish. We identify potential programs and rule out poor fits before you assemble a full document package or pay for an appraisal.

    2. Lender analysis

      We compare the file with lenders whose programs may fit. A direct lender can offer only its own menu.

  2. If you choose to proceed

    1. Application and documents

      If you decide to proceed, the selected route determines the documents required for lender review.

    2. Appraisal, underwriting, and closing

      The lender reviews the property and file. Closing follows only when the lender’s requirements are satisfied.

See the complete loan process

Why work with this brokerage

program families
10
property types
10

A wide range of loan programs, not one lender's menu.

10 program families across 10 property types, from single-family rentals to self-storage and automotive.

The scenario analysis comes first.

  1. You find out which programs fit
  2. Then you assemble a document package

You find out which programs fit before you assemble a document package, not after.

Eric is reachable before and after business hours, and sometimes on weekends.

He says so himself, and a client wrote the same thing unprompted in a review on the Zillow profile — evening, weekend and early-morning replies. Posted office hours are Monday to Friday, 9:00 AM – 5:00 PM Pacific; the availability is separate from the hours.

Replies a client noted

  • Early morning
  • Evening
  • Weekend

Posted office hours

Monday to Friday, 9:00 AM – 5:00 PM Pacific

What we turn away

A brokerage that says what it will not do is easier to trust than one that does not.

  • Rural properties get more scrutiny and fewer options.

    Thin comparable sales and a small lender pool are facts about the market, not a judgment about the property. We will say early if that is where you are.

  • There has to be equity.

    Every program on this site is secured by property. If there is no equity and none is going in, no program substitutes for it.

  • Anyone wanting an instant decision with no conversation.

    The scenario analysis is a conversation. That is the product.

  • There has to be demonstrable liquidity.

    Reserves after closing are what carry a property through a vacancy or an overrun. Lenders want to see them, and so do we.

  • Owner-occupied loans outside California.

    Consumer mortgage lending is licensed state by state. Eric holds California and does not originate owner-occupied files elsewhere. Investor and business-purpose lending nationwide. Owner-occupied home loans in California.

Find your program

Most people arrive knowing their situation, not the name of the loan. Start with the sentence that sounds like you.

"I'm self-employed and my tax returns don't show what I really earn."Bank statement · Profit & loss
"The rent covers the payment, but the paperwork is the problem."DSCR loans
"The rent doesn't cover the payment."No-ratio & low-ratio DSCR
"I was declined somewhere else."Non-QM · Investor financing
"I need to close in weeks, not months."Hard money / bridge
"I'm building from the ground up."Construction loans
"My build has stalled and my lender is gone."Mid-construction
"I want to pull equity out of a property I own."HELOC · Cash-out refinance
"I'm buying my first home."Full documentation · Down payment assistance
"I keep buying rentals and conventional lenders have run out of room."DSCR loans — no property limit

Client reviews

What clients said on Zillow

“Eric is a true gem. A rare find. I can't recommend him enough! He is honest, hardworking, and attentive.”
Mr. and Mrs. Mackey, Solvang, CAZillow review, refinance, July 2018
“I have never seen a real estate professional work this hard. The promptness at returning correspondence was stunning.”
Adam C, Oceanside, CAZillow review, purchase, March 2018
“He is very helpful and patient. He knows his stuff, all I had to do is ask.”
Luiz Reyes, Adelanto, CAZillow Verified Contact review, purchase, February 2018

Reviews are published on Zillow and cover consumer purchase and refinance files from 2017-2018. Read all reviews on Zillow

Tell us the situation. We will tell you which programs fit.

No document package to assemble first, and no appraisal to pay for before you know where you stand.

(256) 573-3733info@loankey.io

Request a Scenario Analysis

Answer a few questions about the property. Your contact details come next.

Fields marked are required.

What are you trying to do?

Will you live in this property as your home?

Buying or refinancing a rental, or your business's own building? Choose No.