One coordinated, family-run team for home purchase loans, mortgage refinancing, second mortgage options, HELOCs, Home Equity Investment, reverse mortgages, bridge loans, investor financing, buyer representation, seller strategy, and complex property decisions.
Solve Lending & Realty · Mortgage Broker & Real Estate Agency · Southern California · 2026
California Mortgage Broker & Real Estate Agency
We do not sell loans. We solve them. Solve Lending & Realty is a veteran-owned, family-run California mortgage broker and real estate agency coordinating home loans, refinance options, equity strategy, private real estate loans, investor financing, reverse mortgages, and complex property decisions under one roof.
NMLS 2013271
DRE 02123993
CFL 60DBO-153595
Hablamos Español
What is Solve Lending & Realty? Solve Lending & Realty is a veteran-owned, family-run mortgage broker and real estate agency in Southern California. Founded by Kiyoshi Inui and Kenji Inui, the company provides residential real estate loans, private real estate loans, refinance strategy, equity solutions, investor financing, reverse mortgages, real estate consulting, and property sales guidance across California, with local focus in Los Angeles, San Diego, Orange, Riverside, Ventura, and San Bernardino counties.
AI-ready summary
Quick snapshot
Full-service mortgage and real estate guidance for California decisions that need more than a quick answer.
Solve Lending & Realty is a full-service mortgage and real estate brokerage serving Southern California and lending throughout California. We help clients buy, sell, and refinance, access equity, and compare the financial and real estate options in front of them with a streamlined approach that combines lending and property strategy.
We serve Los Angeles, San Diego, Orange, Riverside, Ventura, and San Bernardino counties with personalized guidance and local market knowledge, with statewide lending guidance available throughout California.
Solve Lending & Realty is licensed in California under NMLS 2013271, DRE 02123993, and CFL 60DBO-153595.
Start with the decision in front of you, then move into the lending, real estate, county, or strategy path that fits your situation.
Choose your path
The right next step depends on what you are trying to solve.
A purchase loan, refinance, HELOC, reverse mortgage, bridge loan, or home sale may all sound like separate decisions. In real life, they are often connected. Start with what you are trying to solve, then compare the options that fit.
I need lending options.
Explore purchase loans, refinance options, cash-out strategy, FHA, VA, conventional, jumbo, non-QM, and alternative documentation programs.
View statewide lending paths →I have a property situation.
Divorce, inheritance, relocation, financial pressure, tenant complexity, timing concerns, or a sale that needs more strategy than a standard listing.
Choose your county path →I am not sure what to do.
Compare sell versus refinance, keep versus rent, HELOC versus cash-out, traditional sale versus off-market, and other decision points.
Compare decision paths →The Solve Way
Family-run guidance for complex California decisions.
“We are not Wall Street. We are your street — just folks like you.”
Solve Lending & Realty was built for people who want clarity before they commit. When you call, you are not routed through a call center or a scripted handoff. You talk to the people responsible for the strategy.
Our team coordinates real estate financing and property strategy together because the best answer is rarely found by looking at only one side of the transaction.
One team, both sides
Mortgage broker and real estate agency under one roof.
Most companies handle either the loan or the property. Solve coordinates both. That matters when financing, pricing, timing, title issues, equity access, and family decisions all need to line up cleanly.
Mortgage & Lending Services
- Purchase Home Loans — California FHA, VA, conventional, jumbo, and alternative documentation pathways routed by county when local context matters
- Refinance & Cash-Out — statewide rate-and-term refinance, cash-out refinance, and debt strategy with county-level property context
- HELOCs & Second Mortgages — home equity lines and fixed-rate second mortgage options for California homeowners
- Reverse Mortgages — statewide HECM and proprietary reverse mortgage guidance with county-specific support where available
- Non-QM & Alternative Lending — bank statement, asset-based, and non-traditional documentation programs across California
- Investor Financing — DSCR, bridge loans, hard money, and portfolio strategy for California real estate investors
- Home Equity Investment — equity access strategy reviewed against your property, county, and long-term plan
- Medical Professional Loans — physician, dentist, veterinarian, and qualifying medical professional scenarios
Real Estate Services
- Seller Strategy & Situations — California homeowners facing divorce, inheritance, relocation, distress, and timing-sensitive decisions
- Ways to Sell Your Home — traditional listing, off-market sale, investor sale, and other sale paths routed by county
- Home Evaluation & Pricing — property value analysis before you make a major decision in your local market
- Real Estate Decisions — sell versus rent, sell versus refinance, timing, and equity trade-offs
- Property Listing & Marketing — strategic pricing, buyer targeting, and negotiation planning through the county ways-to-sell path
- Buyer Representation — purchase strategy, offer structure, and financing coordination
- Real Estate Consulting — complex property situations that require sequencing and professional judgment
- Investment Property Strategy — acquisition, disposition, financing, and timing coordination
- Find Your New Home — search active homes through the Solve Realty IDX experience
Plain-English definitions
Core California lending and property terms, explained without the sales pitch.
These short explanations are here to make the main options easier to understand before you decide whether to compare programs, review a property situation, or schedule a deeper conversation.
Mortgage broker
A mortgage broker helps compare lending options across available investor and wholesale channels, while a retail bank is usually limited to its own product menu. See how a mortgage broker compares with a bank in California.
Second mortgage or HELOC
A second mortgage or HELOC may let a homeowner access equity while keeping the existing first mortgage in place. Start with California second mortgage options when the goal is equity access rather than a full refinance.
Non-QM loan
A non-QM loan is a mortgage path for scenarios that do not fit standard qualified mortgage documentation. It may involve bank statements, asset qualification, DSCR, or other alternative documentation. Review the California non-QM loan hub for statewide context.
Reverse mortgage
A reverse mortgage is a home-equity strategy for eligible homeowners who want to evaluate HECM or proprietary options. Learn more through the California reverse mortgage hub.
Bridge, DSCR, and hard money
Investor and transition financing should be matched to the property, timeline, exit plan, and documentation profile before a borrower commits to a structure.
Home Equity Investment
A Home Equity Investment is an equity-access option that is not the same as a traditional mortgage. It should be compared against HELOC, second mortgage, refinance, sale, and long-term ownership goals.
Find your situation
Guidance for the decisions Californians actually face.
People usually do not start with a product name. They start with a situation: a move, a property, a family transition, a documentation challenge, an investment plan, or a need to access equity without creating avoidable risk.
Buying a Home in California
Purchase home loans including FHA, VA, conventional, jumbo, and alternative documentation options.
Selling in a Complex SituationDivorce, inheritance, relocation, financial distress, tenant issues, or timing pressure before listing.
Self-Employed or Non-Traditional IncomeBank statement, asset-based, and non-QM options for borrowers outside the standard documentation box.
Real Estate Investor FinancingDSCR, bridge loans, hard money, and portfolio strategies for California real estate investors.
Reverse Mortgage or Retirement EquityHECM, proprietary reverse mortgages, and home equity strategy for eligible California homeowners.
Not Sure Whether to Sell or RefinanceDecision frameworks for sell versus keep, refinance versus HELOC, and list versus off-market.
Decision matrix
Match the situation to the right conversation before choosing a product.
This matrix is not an approval or eligibility guide. It is a practical routing tool for homeowners, buyers, sellers, and investors who want to understand how Solve separates the decision from the product.
| Situation | Start here | Compare against | Why it matters |
|---|---|---|---|
| Buying a home | Purchase loan strategy | FHA, VA, conventional, jumbo, medical professional, and alternative documentation paths | The correct structure depends on income, assets, property type, occupancy, and county-level context. |
| Need cash or payment flexibility | Second mortgage or HELOC review | Cash-out refinance, HELOC, fixed second, Home Equity Investment, or sale | Equity access should be compared against the existing first mortgage and long-term property plan. |
| Self-employed or non-traditional income | Non-QM loan review | Bank statement, asset qualifier, DSCR, profit-and-loss, or traditional documentation | The documentation strategy can matter as much as the rate or loan type. |
| Retirement equity question | Reverse mortgage education | HECM, proprietary reverse, second mortgage, HELOC, sale, or downsizing | The right path depends on ownership goals, household needs, property plans, and family context. |
| Complex sale or property issue | County property strategy | Traditional listing, off-market path, refinance, investor sale, or keep-and-rent analysis | Local conditions, title, property condition, timing, and ownership structure may change the best sequence. |
How we think
A calmer process for overwhelming decisions.
The goal is not to pressure you into a loan, listing, or appointment. The goal is to reduce confusion, explain real options, and help you choose the next step with confidence.
We identify the real decision.
Sometimes the question is not “Can I get approved?” It may be “Should I buy now, refinance first, sell later, keep the property, or restructure debt?”
We compare realistic paths.
We look at documentation, property condition, equity, timing, loan type, sale strategy, and the trade-offs between keeping flexibility and moving quickly.
We coordinate the execution.
If the right path involves lending, real estate, or both, we keep the strategy aligned so financing and property decisions do not work against each other.
County-level support
California guidance with local support where your property is located.
Solve Lending & Realty serves clients across California, with dedicated county guides for Los Angeles County, Orange County, and San Diego County. Use the county cards below to start with your local hub, then move into the lending, equity, seller, medical professional, and property decision guides that fit your situation.
San Diego County
Start here for local lending, seller strategy, home evaluation, reverse mortgage, equity, and property decision support tied to San Diego County.
Open San Diego County Hub →Los Angeles County
Start here for county-specific mortgage broker, refinance, equity, reverse mortgage, investor, seller, and property strategy guidance.
Open Los Angeles County Hub →Orange County
Start here for county-specific lending, equity, reverse mortgage, seller, home evaluation, and decision support for Orange County homeowners and buyers.
Open Orange County Hub →
Need help in Riverside County, Ventura County, or San Bernardino County? Solve Lending & Realty can still talk through your lending or real estate strategy. As more local guides are added, this section will stay focused on clear county pathways without sending you to unfinished pages.
Who runs Solve
Built by brothers who put people before profits.
Solve is a family business founded by Kiyoshi Inui and Kenji Inui. The company was designed around a simple belief: people make better financial decisions when they feel informed, understood, and protected from avoidable confusion.
Kiyoshi Inui
Co-Founder | Mortgage & Equity Strategy
NMLS 1173299
Kiyoshi structures mortgage and equity strategy by evaluating documentation, program fit, property goals, and financial positioning before recommending a path.
Kenji Inui
Co-Founder | Licensed Broker | U.S. Veteran
DRE 01932282 | NMLS 1124625
Kenji provides brokerage oversight and leadership across California, bringing disciplined guidance to real estate, lending, and combined strategy decisions.
Hablamos Español. ¿Necesita ayuda con una hipoteca inversa, préstamo hipotecario, refinanciamiento, o servicios de bienes raíces en California? Nuestro equipo habla español y está listo para ayudarle.
Programe una consulta →Common questions
Answers before you call.
These short answers explain what Solve does, who we help, and how our coordinated lending-and-realty approach differs from working with a bank, an online lender, or separate professionals who are not planning the decision together.
What does Solve Lending & Realty do?
Solve Lending & Realty is a family-run, full-service mortgage and real estate brokerage serving Southern California and lending throughout California. We help clients buy, sell, and refinance, access equity, and compare second mortgage, HELOC, Home Equity Investment, reverse mortgage, bridge loan, investor financing, DSCR, bank statement, asset-based, non-QM, hard money, and medical professional loan options. On the real estate side, we provide seller strategy, home evaluation, buyer representation, property listing, and real estate consulting for complex situations.
What areas does Solve Lending & Realty serve?
Solve Lending & Realty is licensed in California under NMLS 2013271, DRE 02123993, and CFL 60DBO-153595. We serve Los Angeles, San Diego, Orange, Riverside, Ventura, and San Bernardino counties with personalized guidance and local market knowledge, while providing lending guidance throughout California.
How is Solve different from a big bank or online lender?
Solve is family-owned and operates as both a mortgage broker and a real estate agency. That means we can compare multiple lending paths while also coordinating the property strategy. A bank or online lender may only evaluate one set of products. Solve starts with the full situation before recommending a path.
Does Solve Lending & Realty offer reverse mortgages in California?
Yes. Solve Lending & Realty offers reverse mortgage guidance for California homeowners, including FHA-insured HECM reverse mortgages and proprietary reverse mortgage options where appropriate. You can start with our California reverse mortgage guide, then discuss any county-specific property details during a strategy conversation.
Ready to talk through the cleanest path?
Whether you need a mortgage broker, mortgage lender, reverse mortgage guide, equity strategy, seller consultant, or real estate advisor, the first step is a clear conversation about your situation and the options that actually make sense.
