DSCR Loans in California: A Smarter Way to Finance Rentals

California real estate is competitive. If you're an investor, you need fast, flexible financing. That’s where DSCR loans shine.

What Is a DSCR Loan?

DSCR stands for Debt Service Coverage Ratio. It measures how well your rental income covers the mortgage. No personal income checks. No job history required.

If the rent covers the loan, you’re in.

Why California Investors Choose DSCR Loans

• No Tax Returns Needed
  Self-employed? No problem.

• Focus on Property Cash Flow
  The property qualifies—not your pay stubs.

• Great for Airbnb or Long-Term Rentals
  From LA to Lake Tahoe, rental income works.

• Close Quickly
  Speed matters in California’s fast-moving market.

Why California Is Perfect for DSCR Loans

• High Rents
  California properties often generate strong income.

• Strong Appreciation
  DSCR loans let you scale before prices rise again.

• Investor-Friendly Cities
  Los Angeles, San Diego, Sacramento, and more.

• Flexible Property Types
  Single-family, duplexes, fourplexes—even short-term rentals.

DSCR Loan Guidelines in California

• DSCR Requirement: Usually 1.0 – 1.25

• Credit Score: Often 620 or higher

• Down Payment: Typically 20-25%

• Loan Amounts: Start near $100K, no hard max

• Eligible Properties: Long-term rentals, vacation rentals, and more

Who Should Use DSCR Loans?

• Investors buying in high-demand cities

• Self-employed borrowers

• Out-of-state or foreign buyers

• Airbnb hosts with consistent income

• Landlords growing fast

How to Get Approved

1. Show Rental Income
   It needs to cover the mortgage payment.

2. Order an Appraisal with Rent Estimate
   The rent estimate proves income potential.

3. Meet Basic Credit and Down Payment Guidelines

No tax returns. No job history. No income verification.

Grow Your California Portfolio with Less Hassle

DSCR loans help you buy faster and smarter. Whether you’re investing in San Francisco, Palm Springs, or beyond—this loan puts rental income to work.