Unique Financing Programs

A Guide by Dylan Cleland and Lance Gebhart

3–5 minutes

Surfside Properties 🤝 Groves Capital

  1. Unique Financing Programs
    1. Your Trusted Financing Partner
    2. Diverse Loan Programs and Strategies

Your Trusted Financing Partner

If we can’t fund it, no one can. We deliver white-glove mortgage services in California with competitive rates and tailored solutions. From Los Angeles investment property loans to Orange County fix & flip financing, Bay Area construction loans, and beyond—we offer nearly every loan type available.

We don’t believe in one-size-fits-all. Instead, we match the right financing option to your goals and unique situation. With the right partner, there’s no limit to what you can accomplish.

🛠️ Our Mission

We turn financial goals into reality by offering specialized financing solutions at every stage—from buying your first California home to completing your 100th Los Angeles construction loan project.

We guide you from start to finish. From finding a trusted California realtor and identifying the right property, to connecting you with contractors, developers, architects, and designers—we make you feel like a valuable part of the team.

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🔑 Value for Partners

Access diverse loan products designed for every client type—from first-time homebuyers in Los Angeles to seasoned California real estate investors. Our streamlined process makes it simple and effective.

🖊️ Expert Support

Our team provides hands-on support to help clients navigate complex financing scenarios with confidence. Whether it’s fix & flip loans in California, rental property financing in Los Angeles, or construction loans in San Diego, we deliver clarity and results.

📈 Financial Growth

Expand your income and assets through smart real estate strategies. Invest in short-term rentals in California, grow with long-term rental property loans, or take advantage of the California renovation market with a fix & flip. We’ll help you follow a proven process to build lasting wealth.

Diverse Loan Programs and Strategies

Investment-Focused Options
  • It’s never too early—or too late—to start building wealth in California. Whether your goal is passive income, a down payment, or early retirement, financial freedom is closer than you think. We’ve helped clients across Los Angeles, Orange County, San Diego, and the Bay Area achieve financial independence through smart real estate financing, and we can help you too.
  • Owning a home in California isn’t impossible. From Los Angeles rental property loans to Bay Area fix & flip financing, there are proven ways to grow. Whether you’re renting or already own, we’ll help you generate cash flow, build equity, and move closer to your dream of homeownership.
  • Foreign national or ITIN borrower? Your opportunities in the California housing market don’t have to be limited. Our mortgage programs are designed for ITIN and foreign national clients—no visa required, no FICO score needed. Start building wealth through California real estate investment loans without the usual headaches.
Alternative Qualification Programs
  • Not everyone fits inside the traditional lender’s box—and that’s okay. Many of our California clients came to us after being told “no” elsewhere, or never applied at all out of fear they wouldn’t qualify. We’ve helped countless homeowners and investors who thought financing was out of reach find real solutions that worked.
  • We don’t walk away if you can’t qualify today. Instead, we build a personalized game plan to get you across the finish line. Low or no FICO score? Past bankruptcy, foreclosure, or credit challenges? A cash-only business with hard-to-trace income? We’ve seen it all—and we’ve helped many turn those challenges into approvals. Call us or apply today for your free personalized plan.
  • Looking to get started in real estate investing with little to no cash? Ask us about wholesale opportunities with gap funding, off-market property sourcing, and buyer connections. Start earning finder’s fees or wholesale profits without needing to bring money to the table.
Standard & Assistance Programs
  • No savings for a down payment? Our down payment assistance programs can help you get into a California home sooner.
  • If you’ve been affected by recent wildfires or natural disasters, you may qualify for the FHA 203(h) disaster relief program—no down payment required. Even renters displaced by disasters may be eligible to purchase a home for the first time.
  • You may also qualify for the $100 Down HUD Home Program. If a foreclosed property backed by FHA, VA, or USDA didn’t sell at auction, you can buy it with just $100 down—without the higher rates often tied to down payment assistance loans. Ask us how to find HUD-eligible homes in your area today.