Real Estate Investment & DSCR Loans in Sacramento, Truckee and Reno.
Also get Business loans for Gas Stations, Hotels, Motels & More
Our Services
Investment Property Loans
For purchasing or refinancing residential or commercial income-generating properties.
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Residential Investment Loans – For 1–4 unit rental homes, short-term rentals, or multifamily (duplex, triplex).
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Commercial Investment Loans – For properties with 5+ units or mixed-use.
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DSCR Loans (Debt-Service Coverage Ratio) – Based on property income, not borrower income.
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Portfolio Loans – Held by lender rather than sold, offering flexibility.
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Blanket Loans – Used to finance multiple investment properties under one loan.
Commercial Real Estate Loans
Used to purchase or refinance income-producing properties (offices, retail, warehouses, etc.)
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Permanent Loans – Long-term loans (5-30 years) after the property is stabilized.
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Bridge Loans – Short-term (6–36 months) financing used before permanent financing is secured.
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Hard Money Loans – Asset-based loans with higher interest, used when traditional financing is not possible.
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CMBS Loans (Commercial Mortgage-Backed Securities) – Pooled commercial mortgages sold to investors. Fixed terms, non-recourse.
Hotel & Motel Loans
For independent or branded hospitality properties.
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Conventional Hotel Loans – Offered by commercial banks for stabilized or flagged properties (e.g., Marriott, Hilton).
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SBA 504/7(a) Hotel Loans – Low down payments; ideal for first-time or expanding hoteliers.
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Bridge & Construction Loans – For new hotel developments or major renovations.
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Refinance Options – To consolidate debt or improve terms.
Gas Station & C-Store Loans
For buying, refinancing, or upgrading branded or unbranded stations (with or without real estate).
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Business Acquisition Loans – For purchasing existing gas stations with proven cash flow.
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SBA 7(a) Loans – Great for first-time buyers; includes goodwill and working capital.
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Conventional Loans – For experienced operators with strong financials.
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Fuel Supply Agreement Consideration – Loans structured with attention to fuel contracts and environmental compliance.
Other Business Loans (Retail, Service, Professional Practices)
For purchasing or expanding businesses like laundromats, car washes, medical/dental practices, salons, etc.
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Business Acquisition Loans – Includes goodwill, equipment, working capital.
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Expansion Loans – For opening new locations or scaling operations.
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Working Capital Loans – For inventory, payroll, or seasonal cash flow needs.
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Equipment Loans – To finance essential tools and machinery.
Why Choose Us
95 %
Client satisfaction
Helping clients achieve their financial goals
20
Years of experience
Decades of financial wisdom at your service
35 %
Increase in revenue
Proven strategies that boost your bottom line
About JD Loans and Insurance
At JD Loans and Insurance, we believe that lending should feel personal—not transactional. Whether you're investing in a business, purchasing a hotel or motel, buying commercial real estate, or simply navigating your next financial milestone, we’re here to walk the journey with you—side by side.
With over 20 years of experience in customer service and more than 12 years in the lending industry, I’ve come to understand that every client brings a unique story, set of goals, and financial path. I’m Jess Kaur, the proud owner of JD Loans and Insurance, and my mission is simple: to provide clear, compassionate, and customized guidance that helps you make confident financial decisions.
From first-time homebuyers to seasoned investors, I approach every loan with care, integrity, and a personal touch. I know the process can feel overwhelming—that’s why I prioritize transparency, open communication, and support at every stage.
At JD Loans and Insurance, you’re never just a number. You’re a valued client, and we’re honored to help you move closer to your dreams—with clarity, warmth, and professionalism you can trust.
Let’s build something meaningful together.
— Jess Dhillon
Owner, JD Loans and Insurance
Testimonials
Sarah Johnson
"JD Loans and Insurance has been instrumental in helping me secure the funding I needed. Their personalized approach and support have made a significant difference in my financial journey."
Michael Lee
"The financial guidance provided by JD Loans and Insurance has been invaluable. Their expertise and tailored solutions have greatly improved my financial planning."
Emily Chen
"JD Loans and Insurance has been a trusted partner in my financial decision-making. Their commitment to client success is truly commendable."