Find the Right Investor Mortgage for You

At LiButti Capital, we specialize in tailoring mortgage solutions to meet your unique needs. Whether you’re purchasing a home, refinancing, or investing, we provide expert guidance, personalized service, and innovative tools to make the lending process seamless and stress-free.

We do not offer consumer finance, primary-home loans, or personal loans. LiButti Capital is strictly a business-purpose lender.

✓ No credit pull See My Rate › 650-200-2304
LiButti Capital

See what you qualify for.

No credit pull — see what you qualify for in 30 seconds.

8% complete · Loan type
⏱ About 30 seconds ✓ No credit pull ✓ No tax returns — the property qualifies, not your paycheck

What kind of loan are you looking for?

Are you the investor, or a broker?

What are you looking to do?

Where are you in the purchase?

What type of property is it?

How will it be rented?

Where's the property?

Start typing and pick from the suggestions.

Roughly, what's the purchase price?

A ballpark is fine — you can refine it later.

How much are you putting down?

Rough is fine — most investors start around 20–25%.

Tell us about the project

Ballpark numbers are perfect.

What's your estimated credit score?

A ballpark is perfect — we do not pull your credit.

How much investing experience do you have?

✓ You've done the hard part

Save your quote & see your rates

Your personalized rate options are ready to build — tell us where to send them so you don't lose what you've entered.

LiButti Capital · NMLS #2682926 · Equal Housing Opportunity

Products shown are business-purpose investor loans (such as DSCR) secured by non-owner-occupied property. They are not consumer mortgages and are not intended for personal, family, or household use.

Estimates are based on the information you provide and assume it is accurate and complete. Actual terms depend on full underwriting, appraisal, title, and program eligibility and may differ. The rate shown is the note rate, not the APR; figures exclude taxes, insurance, and certain third-party costs, and the payment shown is principal and interest only.

Compensation and fees vary by loan amount, program, and transaction and are finalized in your loan documents at closing. By submitting, you authorize LiButti Capital to contact you about your inquiry by phone, text, and email (which may be autodialed or prerecorded) and to obtain consumer/credit reports as needed; message and data rates may apply. See our Privacy Policy.

Hard Deals Welcome

Getting declined elsewhere? That’s usually where we start.

Complicated deals are our specialty — when a scenario falls outside the box, we pursue exceptions and structure a path to close. Bring us the deal other lenders walked away from.

  • Exceptions allowed
  • Declined by another lender
  • Sub-1.0 DSCR / no-ratio
  • Non-warrantable condos & condotels
  • No seasoning on cash-out
  • Foreign national & ITIN
  • Vacant & rural properties
  • 5-10 units & mixed use
  • Lower credit — priced case-by-case
  • First-time investors
✓ No credit pull See My Rate › 650-200-2304
About Us

Helping You Invest in Your Future

At LiButti Capital, based in San Jose, CA, we specialize in helping clients achieve their investment property goals. We understand that every investor has unique needs, and we’re proud to offer a wide range of tailored financing solutions designed to support your real estate ambitions.

With our expertise and innovative tools, we simplify the process of financing investment properties. Through our secure website, you can submit a loan application or pre-qualify for an investment loan quickly and conveniently. Our interactive tools, including calculators and financing scenario comparisons, allow you to evaluate your options with confidence.

In the often-complex world of investment lending, our mission is to make the process straightforward and seamless, empowering you to grow your portfolio with confidence and ease.

✓ No credit pull See My Rate › 650-200-2304
A LiButti Capital advisor reviewing investment property plans
Our Process

Go Beyond With LiButti Capital

We make transitioning to our platform straightforward and effective. Here’s how it works:

1

Initial Consultation

Share your scenario, and we’ll assess your needs.

2

Customized Solutions

Receive tailored loan options designed for your goals.

3

Application & Approval

Complete your application and receive fast approvals.

4

Closing & Beyond

Seamlessly close your loan and enjoy continued support.

✓ No credit pull See My Rate › 650-200-2304
Why LiButti

Why Choose LiButti Capital?

  • Broad Lending Solutions: From DSCR to multifamily and rehab financing, we have options to meet every need.
  • Innovative Tools: Interactive calculators and secure online applications for a modern lending experience.
  • Nationwide Coverage: Lending solutions available in multiple states with custom options for unique scenarios.
✓ No credit pull See My Rate › 650-200-2304
Multifamily investment property
About Us

Find a Loan Officer Who Cares

With over 20 years of combined experience in mortgage lending, the LiButti Capital team is committed to helping clients achieve their real estate goals.

Anthony LiButti, CEO/Owner of LiButti Capital
Anthony LiButtiCEO / Owner
Happy Clients. Happy Outcomes

Client Stories

No matter your situation, we believe there’s always a solution. Our #1 priority is making sure you walk away with a result you’re thrilled with.

★★★★★ 4.9 average · 34 client reviews on Google

  • ★★★★★Google review
    “Great service, fast closing, upfront pricing without any last minute surprises like other lenders. Will be my go to real estate funding company to grow my portfolio.”
    AAlbert Holguin
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  • ★★★★★Google review
    “Amazing service! Really went above and beyond. Anthony was very knowledgeable. His expertise really made all the difference and I am very happy.”
    AAngelica Montes
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  • ★★★★★Google review
    “Had a great experience and the communication was constant and they gave me the best pricing and kept closing cost fair”
    AAstroVanDam
    View review on Google
  • ★★★★★Google review
    “Super solid quick and easy will use them again on my next investment property! Michael is the man.”
    BBroc Dickerson
    View review on Google
  • ★★★★★Google review
    “LiButti Capital deserves more than 5 star, they deserve timeless appreciation, at least that’s how I felt dealing with them. When my wife and I decided to venture into real estate investing the beginning of the year 2025, we were not only new to this space, we were completely clueless about where to start. In the quest for finding a lender, I randomly clicked a search result from Google, filled out their form, and later thought they were not covering my state of Louisiana but Holly Gayneta reached out and that began our lending journey with LiButti Capital which turned out to be one of the best decisions we made. LiButti’s team — from Anthony, to Holly, to Michael — are very experienced, responsive, knowledgeable, and customer-focused. From producing the first funding approval letter to closing, the team literally held our hands. I cannot recommend LiButti Capital enough. The whole process felt like we were in the same room and have known them forever, meanwhile it’s the other way around, geographically separated and never met in-person which makes a whole lot more amazing. Thank you guys, I hope to be a repeat customer.”
    BBusayo Olukunle
    View review on Google
  • ★★★★★Google review
    “I had a great experience refinancing my residential investment properties with LiButti Capital. Anthony was very responsive and provided excellent guidance throughout. Eight months ago, after doing all the work, he advised me not to move forward because the rates didn’t make sense—showing true client-first integrity. When rates became reasonable this week, we completed the refinance smoothly. Highly recommend.”
    CCABESTHOME
    View review on Google
  • ★★★★★Google review
    “Anthony and his team were dedicated and committed to helping us secure our loan. It was a challenging case, but they worked diligently and got it approved quickly. We truly appreciate their professionalism, responsiveness, and commitment throughout the entire process.”
    CCandace Bo
    View review on Google
  • ★★★★★Google review
    “Simply the best loan officers I've ever dealt with.”
    CCapn
    View review on Google
  • ★★★★★Google review
    “Really profesional got things done for us”
    CCarlos R. Hernández
    View review on Google
  • ★★★★★Google review
    “I used LiButti for a refinance DSCR loan. Anthony pressured me into locking in my rate due to the lender changing there loan process. I received my appraisal and my loan did not close until two weeks after the appraisal and 2 and a half weeks after I rate locked. I asked Anthony if I could change my rates and he said I already locked your rate. This was not what he had mentioned with my first loan through them. He stated that I could change my rate up to two days before closing. They prolonged my closing by two weeks at no fault of mine. I was yelled out through an email from Anthony accusing me of scheduling my closing before the loan was clear to close. Anthony have clearer communication with your team and you would know what’s going on. Very unprofessional of Anthony in the way he communicates to a customer. I’m happy that Michael is no longer with your team and started his own business. I would not recommend them.”
    CCarrie Tilton
    View review on Google
  • ★★★★★Google review
    “I had the pleasure of working with Anthony from LiButti Capital Mortgage, and I couldn't be more impressed with his professionalism and expertise. From start to finish, Anthony made the entire mortgage process smooth and stress-free. He was always available to answer my questions, provided clear and honest guidance, and worked tirelessly to secure the best possible rates for me. What really stood out was his commitment to ensuring I understood every step along the way. His attention to detail and willingness to go above and beyond to meet my needs truly exceeded my expectations. Thanks to Anthony and the team at LiButti Capital, I’m now a proud homeowner, and I couldn’t have done it without their help. I highly recommend Anthony to anyone looking for a reliable and knowledgeable mortgage professional. He's a true expert in his field!”
    CCasey Tran
    View review on Google
  • ★★★★★Google review
    “LiButti Capital made the refinancing process for both of my properties incredibly smooth and stress-free. Their professionalism and expertise were evident from start to finish, ensuring everything was handled quickly and accurately. I am so happy with the exceptional service I received and will definitely be referring others to LiButti Capital. If you're looking for efficient, reliable, and seamless refinancing, this is the team to work with!”
    DDDT5
    View review on Google
  • ★★★★★Google review
    “I used LiButti Capital to cash-out and refinance a few properties using DSCR loans. Anthony and the team was upfront, honest, and transparent with terms, pricing (including areas of uncertainty in the pricing), and timelines. They were also laser focused on getting me the loan products that met my needs. There were no surprises at closing and the process was very smooth overall. The team also did an excellent job of powering through a few unforeseen obstacles and remained extremely responsive and highly-driven throughout the entire process. I highly recommend LiButti Capital for anyone looking for a head-ache-free, well-supported experience as a borrower.”
    DDavid Andrade
    View review on Google
  • ★★★★★Google review
    “This is my 5th dealing I've done with Anthony and Gayneta and I can't wait for the next one! They are first class in every way!”
    DDerrick Woodard
    View review on Google
  • ★★★★★Google review
    “I just closed 4 DSCR refinances today — bringing our total to 6 deals in two months with Anthony and the LiButti Capital team. That kind of volume in that timeframe says everything. Anthony is the rare lender who breaks everything down without being asked. No hidden fees, no vague answers — he fights for competitive rates and makes sure you actually understand what you're signing. Every deal has deepened my trust in him and his team. As a real estate investor with a growing rental portfolio, having a lender I can count on is non-negotiable. Anthony LiButti has earned that spot. Highly recommend.”
    DDevon Hunter
    View review on Google
  • ★★★★★Google review
    “Libutti Capital is my go-to lender. Their communication is fast, clear, and extremely helpful throughout the entire process. This is the 4th DSCR loan they’ve closed for me, and each one has been handled professionally and efficiently. I strongly recommend them to any real estate investor looking for a reliable lending partner.”
    EEric Santiago
    View review on Google
  • ★★★★★Google review
    “We’ve always done great business and highly appreciate the attention and support. Thanks for all your help!”
    EEvan Torres
    View review on Google
  • ★★★★★Google review
    “Working with Anthony, Giovanni, and Josh has been fantastic! I found them incredibly knowledgeable, diligent, and quick throughout the loan process. Even as hiccups inevitably occurred, they kept things moving all the way to close.”
    JJessena
    View review on Google
  • ★★★★★Google review
    “Attentive and friendly. They were helpful in setting up my property loan in the business with very few hoops to jump. Very responsive and knowledgeable with answers to my questions and concerns.”
    JJessica Vila-Stevenson
    View review on Google
  • ★★★★★Google review
    “Great experience. I felt like i was truly being taken care of. Will do business with again in the future”
    JJoshua Beler
    View review on Google
  • ★★★★★Google review
    “Both Anthony Libutti and Michael LaVecchia are very helpful and you’ll be in good hands working with them.”
    MMarisela Sanchez
    View review on Google
  • ★★★★★Google review
    “I recently had the pleasure of working with Anthony & Gayneta during my loan process, and I cannot recommend them highly enough. From the very first interaction, it was clear that they were not only knowledgeable but also genuinely committed to helping me find the best loan option for my needs. Again, thank you. 😊 …”
    MMary Dancy
    View review on Google
  • ★★★★★Google review
    “Anthony and his team helped us get the purchase done when nobody else could. DSCR has changed the way I do business. Thanks Libutti Capital.”
    MMichael LaVecchia
    View review on Google
  • ★★★★★Google review
    “Specialist in the mortgage industry. This team is awesome and makes the loan process easy. Highly recommend:)”
    MMichael LaVecchia
    View review on Google
  • ★★★★★Google review
    “Was able to help us close in less than a month- compared to the last lender who was still dragging their feet after 2 months. Highly recommended and couldn’t have done it without him”
    QQB Stokes
    View review on Google
  • ★★★★★Google review
    “Good Loan!!”
    RRico Banga
    View review on Google
  • ★★★★★Google review
    “Anthony and the LiButti team were tenacious In getting this loan closed for me under difficult circumstances. I appreciate their effort and their communication throughout the process. I will definitely be considering them for our next investment property.”
    RRobert Martin
    View review on Google
  • ★★★★★Google review
    “Had a fantastic experience working with Libutti Capital! Anthony and Michael worked tirelessly to close multiple complicated loans for me on a time crunch and exceeded all expectations!”
    SSabah Sohel
    View review on Google
  • ★★★★★Google review
    “Anthony LiButti was an answer to my financial prayers. His knowledge, patience, and professionalism were indispensable. I would feel more than comfortable bringing my financial needs to Anthony again and again.”
    SScott Morris
    View review on Google
  • ★★★★★Google review
    “I am so grateful and satisfied with my experience with LiButti Capital. My team was great and they worked with me to understand every step in the process to get my load funded.Special shout out to Micheal who was always present, professional and informative. I am truly grateful!!”
    TThombreka Turner
    View review on Google
  • ★★★★★Google review
    “Michael and Anthony were fantastic! They were the most personal and knowledgeable loan officers I’ve ever dealt with. We had a messy situation, to say the least, and Michael was there every step of the way. I will never use a conventional loan provider ever again! These guys are amazing and so happy I stumbled upon them. Customer for life!”
    TTony Delgado
    View review on Google
  • ★★★★★Google review
    “A first class business that offers exceptional hands on approach to streamline the process. Easily accessible and great to work with.”
    Ddonald yale
    View review on Google
  • ★★★★★Google review
    “Awesome job! I was very pleased with their customer service, as well as their eagerness to be open and transparent throughout the loan process. I closed on a total of three loans , and I had no issues during this experience.”
    Ssidney lackey
    View review on Google
  • ★★★★★Google review
    “I had an exceptional experience with LiButti Capital for my investment property loan. From the very beginning, their team was knowledgeable, responsive, and truly professional. They understood the unique needs of real estate investors and made the entire process efficient and stress-free. Every step was clearly explained, timelines were met, and I felt supported the whole way through. If you’re looking for a lender who knows investment lending inside and out, I highly recommend LiButti Capital—they truly delivered top-notch service!”
    Ssunny dhaliwal
    View review on Google
Where We Lend

States We Lend In

Map of U.S. states where LiButti Capital lends