California DRE & NMLS Licensed · Since 1980
AT A GLANCE
Deals we fund.
$100K – $2M
LOAN SIZES
≤65%
MAXIMUM LTV
3 Days
UNDERWRITING
5 Days
TYPICAL CLOSING
Larger loan amounts available for special situations. Land loans not offered.
If your deal fits these parameters, submit a package below. If it's close but outside the standard template, call us — we've funded thousands of loans over 45+ years and regularly structure around deal-specific details that cookie-cutter lenders can't accommodate.
3 Days
UNDERWRITING
OUR COMMITMENT
What brokers get with DLS.
Response within 3 business days on every submitted package
Direct access to the underwriter and decision-maker — no intermediary loan officers
Flexibility on deal structure for deals outside standard templates
A repeat funding source — 45+ years of continuous operation means we'll be here for your next deal too
SUBMISSION
What to include in your loan package.
The more complete your package, the faster we can get to a decision. Here's what we need for most deals — and what's acceptable in each category.
01
Completed Loan Application
A standard loan application signed by the borrower. We accept any industry-standard form.
02
Credit Report
A recent credit report on the borrower (typically within the last 90 days). If you don't have one, we can pull it with borrower authorization.
03
Property Appraisal or Valuation
A full appraisal is preferred but not always required. For straightforward deals, a recent BPO, comparable sales analysis, or well-supported broker estimate may be sufficient. Call us before ordering a full appraisal if timing is tight.
04
Preliminary Title Report
A recent preliminary title report on the subject property. If you don't have one ordered, we can help arrange it.
05
Purchase Agreement
For purchase transactions, include the executed purchase agreement. Not required for refinances or bridge loans on property the borrower already owns.
06
Proof of Income / Ability to Repay
Documentation of the borrower's ability to service the debt. Acceptable formats include recent tax returns, bank statements, rent rolls, or CPA letters for self-employed borrowers.
