SoCal Buy and hold lenders - couple of quick questions...

[P.J. Bremner]

Hey BP,

I have been making tons of phone calls with local banks, over 15 now and have yet to run into someone that is lending non-conventional residential non-owner occupied "portfolio loans".  I did run into a guy that said they were a portfolio lender, then after starting their loan packet I realized they had the same guidelines as fanny/freddy... I have my MLO endorsement and have originated millions in mortgages but even this guy almost pulled the wool over me.  I can't image how much harder it would be for some of the newer members that don't know what to look out for!

Does anyone have a referral for a SoCal local lender that does portfolio lenders?  If so, what kind of terms are they looking for?
- LTV

- Rate range

- Fixed, ARM, fully amortized, interest only?

- Points charged up front?

I really appreciate your help and I am looking to BRRR some properties in SoCal, either SFR or Multifamily and this information would help me greatly.