Los Angeles · NMLS #2270200
I'm Jayson Cain, a loan originator and real estate investor in Los Angeles. First home, refinance, self-employed income or a rental portfolio: I'll find the loan that fits and walk you through every step.
Start with what you're doing
See which loans may fit
About 60 seconds. No credit check. I'll reply myself.
Find your loan
Tell me what you're doing and how you earn. You'll see the programs worth talking about, the same way I'd sort it on a first call.
01 · What are you doing?
02 · How do you earn?
03 · What kind of property?
Programs that may fit
A starting point, not an approval. Final options depend on your credit, income, property and lender guidelines.
Loan programs
As a broker, I compare programs across a wide network of wholesale lenders: standard loans for most buyers and homeowners, plus specialty options when your income or property needs a different approach.
Program availability depends on lender guidelines and your qualifications.
From a first condo to a fourplex, financing that fits how Los Angeles actually works.
Find your loan →Why work with me
A bank can only offer its own menu. I compare programs across many wholesale lenders, so you get the right fit through one person.
Self-employed income, multiple properties, investment deals. I've worked on the private-lending side and I invest myself, so I read a deal the way you do.
From the first call to closing, you work with me. No call centers, no handoffs.
The process
We talk through your goals, income and timeline, and I tell you what's realistic.
I review your documents and structure the loan, so you know your number before you shop.
Make offers backed by a real pre-approval, with me on call for you and your agent.
We lock your rate, clear underwriting and get you to the closing table on schedule.
I'm still here for the next move: a refinance, a rental, or your next home.
Payment calculator
For illustration only. Not a loan offer or rate quote. Does not include mortgage insurance. Your actual rate and payment depend on credit, loan program and property.
Specialty loans, explained
Two of the most common questions I get, as working examples. Change the numbers to see how lenders look at it.
For investors
Monthly rent÷Monthly payment=DSCR
Rent covers the payment.
For the self-employed
Avg. monthly deposits×(1 − expense factor)=Qualifying income
Expense factors vary by lender and business type, and some programs use 12 months of statements while others use 24.
Simplified illustrations for education only. Not a loan offer or approval.
Resources
It depends on the program. Conventional loans can allow as little as 3 percent down on a primary home, FHA loans 3.5 percent with a credit score of 580 or higher, and VA loans require no down payment for eligible veterans (lenders may still ask for one). Investment properties typically need 15 to 25 percent.Sources: Fannie Mae eligibility matrix · HUD (FHA) · VA Home Loans
Lenders use these terms differently. Generally, a pre-qualification is an estimate based on what you tell me, while a pre-approval means your credit and documents have been reviewed, which sellers and agents take more seriously. Neither is a guaranteed loan offer.Sources: Consumer Financial Protection Bureau
Yes. Conventional loans use your tax returns. If write-offs lower your taxable income, a bank statement loan can qualify you on your actual deposits instead.
A loan for rental properties that qualifies on the debt service coverage ratio: the property's rent compared with its monthly payment. Your personal income isn't the deciding factor.
A bank can only offer its own programs. As a broker, I compare options across many wholesale lenders, including specialty programs most banks don't carry, to find the best fit for your situation.
No. The first consultation is free with no obligation. We'll go over your goals and I'll tell you honestly what makes sense.
The federally insured reverse mortgage (HECM) is for homeowners 62 and older living in the home as their primary residence. You make no monthly mortgage payment, but you must keep paying property taxes, homeowners insurance and upkeep, and the loan balance grows over time. Counseling with a HUD-approved counselor is required before you apply.Sources: HUD reverse mortgages (HECM)
I'm licensed in California. If your property is in another state, reach out anyway and I'll point you in the right direction.
For real estate agents
Rates, loan programs and what's moving in the Los Angeles market, in plain English. Unsubscribe anytime.
Get a quote
A few details are enough to start. I read every inquiry myself and reply directly with next steps. Sending this form doesn't affect your credit.
Prefer email? lending@jaysoncain.com
My privacy promise
Your info stays with me. I never sell it to lead buyers, so you won't get calls from a dozen lenders. You'll talk to me directly, and you decide what happens next.
About
I've worked in real estate lending since 2021, from private investor loans to helping families buy their first home. I'm also a homeowner and real estate investor, so I've sat on your side of the closing table and signed the same stack of papers. Outside of work, I'm a community builder here in Los Angeles, and I'm still on the hunt for the best matcha in the city.
Professional inquiries: jayson@jaysoncain.com
Years of origination across private, investor and residential loans, so complex files don’t slow me down.
I own and invest in Los Angeles real estate. I know what it feels like to make an offer, close and carry a mortgage.
I founded a pickleball community that has brought more than 600 Angelenos onto the courts together.
Off the clock
Still searching for the best matcha in Los Angeles.
Have a spot I need to try? Send it my way.
