Hard Money | DSCR Loans | Jumbo Loans | FHA Loans & More

Trusted Private Money Lender in California

Guiding You Through Mortgages And Real Estate Investments

I’m Amish, a seasoned real estate expert with over 20 years of experience as a Realtor, Lender, and Investor. Whether you’re looking to buy, sell, finance, or invest in real estate, I offer integrated solutions tailored to your needs. Specializing in diverse lending options, including hard money loans in California, I expertly structure purchase contracts and assist with refinancing hard money loans.

As a Zillow Premier Realtor (DRE #02133406), Mortgage Banker (NMLS #2250879 and #2049293), and Debt Fund Manager, I have helped many achieve financial freedom through real estate. My services cover everything from FHA loans in California to jumbo loan options for high-value properties. I am a proud member of professional organizations such as AAPL and AIME, and hold certifications in Express Offer – Cash Offers, REO certification, and RCFE Administrator for Assisted Living.

Reach out if you prefer consistent, reliable, and secured passive income generated through real estate. Together, we can turn your dream of homeownership into reality.

Invest

Secure your financial future with passive real estate investments, starting with our real estate debt funds.

Borrow

Simplified mortgage services catering to homeownership and property investment, with options including Hard Money loans in California, FHA and Jumbo loans.

Buy A Home In California

Invest wisely in your future. Explore our diverse range of properties and find the home that matches lifestyle.

Sell A Home In California

Experience a seamless home selling journey. Benefit from our expert guidance and extensive market knowledge.

Munshi Capital Mission & Values

We’re Here to Make Your Investment Journey Seamless

Our Mission

We help people and families reach their real estate dreams by offering personalized financing help, expert advice, and opportunities to invest in great options including hard money loans and private financing.

Our Values

Client Focus:
We prioritize understanding your unique needs and crafting customized strategies to achieve your real estate aspirations.

Integrity & Transparency
We believe in building trust through open communication, honest advice, and ethical practices.

Expertise & Innovation:
We leverage our extensive experience and stay informed of market trends to offer the most competitive solutions for your real estate journey.

Streamlined Efficiency:
We simplify the real estate process, saving you time and minimizing stress.

Long-Term Commitment:
We are dedicated to your success, providing ongoing support and guidance throughout your real estate journey.

Your financial goals matter

Big financial decisions in life don't need to be made alone. We handle 100s of cases each month to ensure
we get the best for our clients.

I Want To Buy A Home

I Want To Apply For Loan

I Want To Invest In Real Estate

Our Recent Client Reviews

I get the opportunity to listen to Amish present to my networking group at least quarterly. The patience, and understanding that he has for the real estate industry is phenomenal, and if you are looking at another investment avenue to explore, Amish and his partners are the way to go!

Brent Herrera

Amish is so informative on investing and how to make my money work for me. Thank you!!

Christina Dalton

Amish Munshi and the team are amazing people to work with when it comes to making your money work for you in the form of real estate investments. From initial consultation to executing our first deal, Amish and his team communicated with us almost daily to ensure we understood the particular deal that met our needs and resources, drafted up the paperwork that was clear to read, including the deal amount and other disclosures, to confirmation of receipt of funds to continue with the deal.

Joe Iacovazzi

Evolve with Amish

Dive into the world of entrepreneurship and real estate with “Main Street Minds,” a podcast series hosted by Amish. Each episode brings you expert advise from various founders and business owners to help excel your career.

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Got Any Questions?

What types of mortgages do you offer?

We offer a variety of mortgages to suit your needs, including FHA loans in California for first-time buyers, Conventional loans with competitive rates, and Jumbo loans for high-value properties. We also explore hard money loans for bad credit, DSCR loans, and commercial DSCR loans for investment opportunities. Let’s discuss your specific situation to find the best fit!

What is a hard money loan, and how does it work?

A hard money loan is a short-term, high-interest loan secured by real estate. It’s often used by investors to quickly acquire properties or fund renovations. In California, hard money loans are especially useful for those who need fast financing and have less-than-perfect credit. We provide various hard money loan rates and options tailored to your needs.

How can I qualify for an FHA loan in California?

To qualify for an FHA loan in California, you typically need a credit score of at least 580, although some lenders may accept scores as low as 500 with a larger down payment. FHA loans are designed to help first-time homebuyers and those with less-than-perfect credit achieve homeownership. We can help you navigate the requirements and find the best FHA loan rates.

What are the benefits of refinancing a hard money loan?

Refinancing a hard money loan can help lower your interest rates, reduce your monthly payments, or release equity from your property. Whether you’re looking to adjust the terms or move to a more favorable loan structure, we can assist with refinancing hard money loans to better suit your financial goals.

What is a DSCR loan, and how can it benefit my real estate investment?

A DSCR (Debt Service Coverage Ratio) loan is designed for real estate investors. It evaluates your ability to cover debt payments with income from your property. DSCR loans can be used for various purposes, including purchasing or refinancing rental properties. We offer DSCR loans in California with flexible terms to match your investment strategy.

What is the difference between a jumbo loan and a super jumbo mortgage in California?

A jumbo loan exceeds the conforming loan limits set by Fannie Mae and Freddie Mac, making it ideal for high-value properties. A super jumbo mortgage is even larger and caters to ultra-high-net-worth individuals. In California, jumbo loans and super jumbo mortgages are essential for purchasing luxury properties or homes in high-cost areas.

How can private lenders help with real estate investments?

Yes, private lenders can provide funding for real estate investments, often with more flexible terms than traditional banks. We offer private financing for real estate loans to help you secure the capital needed for your projects. Whether you’re seeking private money lending for renovations or acquisitions, we have solutions to meet your needs.