Direct
- Phone: (949) 751-1870 (tap to call, or tap to text)
- Email: kspangenthal@westcapitallending.com
- Hours: Monday through Friday, 8:00 a.m. to 6:00 p.m. Pacific. Evenings and weekends by arrangement — investors with day jobs are rarely free during business hours, which is understood.
- Office: West Capital Lending, Inc., 17911 Von Karman Avenue, Suite 400, Irvine, CA 92614
Or use the form on the home page. It goes straight to Korbin.
What to have ready
None of this is required to start a conversation, but having it makes the first call substantially more useful.
- The property address — or, on a purchase, the one you are looking at — and whether it is a single-family, a 2–4 unit or a condo.
- The rent. The current lease if it is rented; your best estimate of market rent if it is not. On a short-term rental, the last 12 months of booking income.
- What you want to do: buy, refinance, or pull cash out — and whether you want to close in an LLC.
- A rough sense of value and, on a refinance, the current balance.
- How many rentals you already own, and any recent credit events you already know about. Better raised early than discovered late.
What happens next
A short conversation about the property and the rent, then a soft credit pull if you want a real number — soft pulls do not affect your score. The property, not you, carries the file: the rent is set from the lease or the appraiser's rent analysis, the payment is set by the loan, and the ratio between them is what the lender looks at. No tax returns, no W-2s, no employment verification at any stage.
If it does not look workable, you will hear that instead, along with what would change the answer — usually the rent, the down payment, or the structure.
Where this is available
Investment property — non-owner-occupied one-to-four-unit residential — in the states where Korbin is licensed to originate. Not for a primary residence or a second home; those are consumer loans with different rules.
Self-employed and need equity from the home you live in? That is a different product: HELOCforSelfEmployed.com.
Common questions
Will I get passed to someone else after I inquire?
No. The form and the phone number both reach Korbin directly. If a specialist needs to be involved later, you will be told who and why.
Does reaching out pull my credit?
No. A conversation costs nothing and generates no inquiry. If you want a real number, pre-qualification uses a soft pull that does not affect your score. A hard pull only happens if you choose to move forward.
How quickly will I hear back?
Same business day in nearly all cases, and often within the hour during business hours.