Michael Rivas WestPac Lending

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Nice to meet you! My name is

Michael Rivas

Investment Loan Advisor
WestPac Lending

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Investment Loan Advisor

Michael Rivas is an investment loan advisor at WestPac Lending, your local partner for clear, reliable lending solutions.

(714) 923-7420
(714) 504-0620
Michael@WestPacLending.com
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Expert Loan Advice At Your Fingertips

Michael Rivas is an experienced investment loan advisor with WestPac Lending, offering over eleven years of expertise in investment property and residential mortgage financing. Licensed to work in California and 42 additional states, Michael helps real estate investors and homeowners secure flexible, strategic loan solutions tailored to today’s market.

He specializes in Fix & Flip loans, DSCR loans, Bank Statement programs, and non-QM financing, with in-depth knowledge of 1–10 unit property financing. Michael regularly assists clients with investment property purchases, refinances, and cash-out strategies, as well as primary residence home purchases and refinances, particularly for self-employed and non-traditional borrowers.

Known for his efficiency, responsiveness, and ability to close quickly, Michael works closely with clients to simplify complex loan scenarios and keep transactions on track. His extensive multi-state lending experience, combined with a deep understanding of investment property financing and residential mortgages, makes him a trusted advisor for clients looking to grow real estate portfolios or achieve homeownership with confidence.

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Loan Programs I Specialize In

Bank Statement Program

Leverage your bank statements to secure a favorable home loan.

DSCR Home Loan

Focus on the debt-service coverage ratio to get the right home loan.

Investment Property

Mortgage loan programs for vacation and investment properties.

Fix & Flip Home Loan

Get the financial support you need for your home renovation projects.

Rehab Loan

Roll the costs of the renovation into your loan.

Private Money Loan

When traditional financing slows a deal down, private money can keep it moving.

Blog Posts

Picturesque suburban houses under a blue sky with fluffy clouds in a Wisconsin neighborhood.

Refinancing Your Investment Property: Tips for Orange County Real Estate Investors

August 10, 2026

Owning investment property in Orange County offers solid long-term returns, but refinancing can feel complex—especially…

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Aerial view of a Wake Forest, NC suburb with green backyards and a swimming pool.

FHA Loan Requirements: What Move-Up Buyers Need to Know Before Their Next Home

August 7, 2026

Moving up to your next home in Orange County is a milestone, but navigating FHA…

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Luxury waterfront homes, palm trees, and a boat docked in Fort Lauderdale, Florida.

VA Loans: Key Advantages and How Veterans Can Qualify for Homeownership

August 5, 2026

Planning to buy a home as a veteran or active-duty military member can feel complicated,…

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Learn about Fannie Mae guidelines here. Learn about Freddie Mac guidelines here.

Loan Programs I Specialize In

Bank Statement Program

Leverage your bank statements to secure a favorable home loan.

DSCR Home Loan

Focus on the debt-service coverage ratio to get the right home loan.

Investment Property

Mortgage loan programs for vacation and investment properties.

Fix & Flip Home Loan

Get the financial support you need for your home renovation projects.

Rehab Loan

Roll the costs of the renovation into your loan.

Private Money Loan

When traditional financing slows a deal down, private money can keep it moving.

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