West Capital Lending — STR, DSCR, and Conventional Loans in 37 states including California, Florida, and Texas

About West Capital Lending

NMLS #1566096. DSCR loan rates & terms aren’t always what they seem. Many lenders advertise ‘too good to be true’ offers—but we shop 140+ lenders to find real solutions that fit your investment goals. Avoid surprises & get the best deal with expert guidance with West Capital Lending.

Key facts

Who

West Capital Lending, lender specializing in STR, DSCR, and Conventional loan programs for Airbnb investors.

Loan types

STR • DSCR • Conventional

Loan purposes

Purchase • Rate & Term Refinance

Licensed states

Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), District of Columbia (DC), Florida (FL), Hawaii (HI), Idaho (ID), Iowa (IA), Kansas (KS), Kentucky (KY), Maine (ME), Maryland (MD), Michigan (MI), Minnesota (MN), Missouri (MO), Nebraska (NE), New Hampshire (NH), New Mexico (NM), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Virginia (VA), Washington (WA), West Virginia (WV), Wisconsin (WI), and Wyoming (WY)

Proof

5.0★ (5 recommendations)

Languages

English

Contact

Contact on Rabbu

Source

Profile

1. ⭐⭐⭐⭐⭐ We truly couldn’t have asked for a better broker, Samy Bichara, to help us through such a huge life transition.

   We were moving our family across the country from California to Ohio and building a new home, so there were a lot of moving pieces and a lot that had to happen from states away. From the very beginning, he was incredibly responsive, proactive, and genuinely invested in making sure everything went smoothly. He was always available when we had questions, took the time to explain things, and kept us informed throughout the entire process. As with any home purchase, there were a few unexpected issues that came up along the way that were completely outside of his control. What really stood out to us was how proactive he was in helping us navigate those situations. He stayed on top of communication with the underwriter, followed up when needed, and made sure things kept moving forward. We never felt like we were left on our own to figure things out, even when there were things happening behind the scenes that could have easily become stressful. Doing all of this while living 2,000+ miles away made his responsiveness and attention to detail especially valuable. Moving our family across the country and building a new home was a huge undertaking, and having someone we could trust to stay on top of the process gave us so much peace of mind. We are incredibly grateful for everything he did to help us get into our new home and start this next chapter in Ohio. We would absolutely recommend him to anyone, especially anyone buying a home from out of state. He truly went above and beyond for our family, and we couldn’t be happier with our experience.

2. We had an exceptional experience working with this company for our HELOC.

   From start to finish, the entire process was handled with professionalism, honesty, and genuine care. Our loan officer was incredibly respectful, thorough, and always available to answer our calls and questions, no matter how small. He took the time to explain everything clearly and made what could have been a stressful process feel smooth and easy. It's rare to find this level of customer service these days, and we are truly grateful for all of the hard work and dedication. We highly recommend this company to anyone looking for a team that truly puts their clients first!

3. I had an outstanding experience working with Austin throughout my mortgage process.

   It was a challenging transaction with several obstacles along the way, but Austin navigated every issue with professionalism, persistence, and expertise to get us to the finish line. From start to finish, he was incredibly responsive, kept me updated every step of the way, and always communicated in a timely manner. Whenever issues came up, Austin went above and beyond by proactively escalating them and working tirelessly to keep everything moving forward. Buying a home can be stressful, but Austin made the process much smoother with his dedication, knowledge, and exceptional customer service. I truly appreciate everything he did and would highly recommend Austin to anyone looking for a loan officer who genuinely cares about his clients and gets the job done. Thank you, Austin!

4. --- My wife and I had a great experience with West Capital Lending.

   We completed a cash-out loan, and the entire process was smooth from start to finish. The team was friendly, responsive, and made everything easy to understand. Rick and Casey were especially helpful throughout the process. They kept us informed, answered all our questions, and made sure everything moved along quickly. We were impressed with how fast we received our funds! I would highly recommend West Capital Lending to anyone looking for a straightforward and efficient lending experience.

5. Never had a real estate loan process go so smoothly!

   Zach and his team ensured we were kept up to date at every point and provided timely information as we moved through the process. We were able to close our transaction early for our new house with his guidance. Highly recommend!

FAQs

• What types of loans does West Capital Lending offer?

  West Capital Lending offers financing options tailored for real estate investors, including STR, DSCR, and Conventional loan programs. These loans are designed to help investors purchase or rate & term refinance income-producing properties such as Airbnbs and vacation rentals.

• What can I use these loans for?

  You can work with West Capital Lending to finance a property purchase or rate & term refinance. Each option is built to support short-term rental or investment property strategies.

• Where does West Capital Lending operate?

  West Capital Lending is licensed to provide loan products in 37 states including California, Florida, and Texas.

• Why work with a Rabbu lender?

  Rabbu lenders specialize in financing short-term rental and vacation rental properties. They understand STR income, DSCR qualification, and how to underwrite loans based on Airbnb performance data — making the process faster and more investor-friendly.

• How can I contact West Capital Lending?

  You can reach out directly through their Rabbu profile to discuss your financing goals. Simply fill out the contact form to get matched with a loan expert for your next STR investment.