Banks can’t meet your needs?   No problem.

TRADITIONAL BANKS
Heavily regulated lending criteria
Difficult underwriting for many investors

Investor mortgage specialists
Flexible, common sense lending criteria
Bank denial or bruised credit – ok
HARD MONEY LENDERS
High interest rates and fees
Short term loans with low loan to value

Livco Financial is a specialty mortgage lender offering real estate investor, stated income mortgages from $100,000 to $5,000,000 in California. We specialize in financing real estate that the banks cannot finance but don’t warrant paying high hard money lender rates.

Flexible Underwriting

We offer loan programs for investor single family, multi family, apartments, small balance commercial, retail, mixed use, industrial, auto service, self storage and mobile home parks. Our experienced lending team provides fast service and a flexible underwriting process focused on meeting your needs.

Loan Programs

With a focus on flexible, simple doc, stated income mortgages for investors from $100,000 up to $5,000,000, diversified mortgage products, and investor friendly common sense underwriting, Livco Financial offers a unique financing solution for single family home mortgages, multifamily and apartment lending and commercial property financing.

  • Single Family and
    2-4 Unit Mortgages

  • Apartment and
    Mixed Use Mortgages

  • Commercial Mortgages


Single Family and
2-4 Unit Mortgages
Livco offers flexible, stated income business purpose mortgages for non-owner occupied, investment single family homes, condos and 2-4 units. No tax returns or Form 4506 are required. Programs include the innovative Livco Smartloan™ and the Fix+Flip Bridge loan with a very aggressive LTV for experienced rehab investors with a track record.
Loan Type Loan Amount MAX LTV Term Length Amortization Learn More Rates
Smartloan $100k - $2mm 70{7077ec8b5cdef873f7acef4723154672092668411547456cb6d4236f19ee7792} 3yr fixed/30yr ARM 30 years from 6.99{7077ec8b5cdef873f7acef4723154672092668411547456cb6d4236f19ee7792}
Fix+Flip Bridge $100k - $1mm 90{7077ec8b5cdef873f7acef4723154672092668411547456cb6d4236f19ee7792} 1-12 months Interest only from 9{7077ec8b5cdef873f7acef4723154672092668411547456cb6d4236f19ee7792}


1 to 4 Unit Mortgages


Apartment and
Mixed Use Mortgages
Livco offers flexible, stated income commercial mortgages for 5+ unit multifamily apartments and mixed use properties that combine residential with office or retail in one property. No tax returns or Form 4506 are required.


Loan Type Loan Amount MAX LTV Term Length Amortization Learn More Rates
Smartloan $100k - $5mm 75{7077ec8b5cdef873f7acef4723154672092668411547456cb6d4236f19ee7792} 3yr fixed/30yr ARM 30 years from 6.99{7077ec8b5cdef873f7acef4723154672092668411547456cb6d4236f19ee7792}


Apartment and Mixed Use Mortgages


Commercial Mortgages
Livco offers flexible, stated income commercial purpose mortgages for a wide range of commercial properties including office, retail, industrial, self-storage, warehouse, automotive service and mobile home parks. No tax returns or Form 4506 are required.


Loan Type Loan Amount MAX LTV Term Length Amortization Learn More Rates
Smartloan $100k - $5mm 70{7077ec8b5cdef873f7acef4723154672092668411547456cb6d4236f19ee7792} 3yr fixed/30yr ARM 30 years from 7.49{7077ec8b5cdef873f7acef4723154672092668411547456cb6d4236f19ee7792}


Commercial Mortgages