DSCR Loans in California
Qualify based on property cash flow, not personal income. A flexible path for real estate investors scaling their portfolio.
What Is a DSCR Loan?
A Debt Service Coverage Ratio loan evaluates whether a rental property generates enough income to cover its mortgage payment. Instead of relying on personal tax returns or W-2 income, lenders look at the property's ability to pay for itself.
This makes DSCR loans a strong fit for self-employed investors, borrowers with complex tax situations, and anyone building a portfolio where traditional income documentation becomes a bottleneck.
Who Uses DSCR Financing?
- Real estate investors acquiring rental properties
- Self-employed borrowers who prefer not to use tax returns
- Portfolio builders adding multiple investment units
- Short-term rental operators (Airbnb, VRBO)
- Investors refinancing existing rental properties
The Process
Share your investment scenario and property details.
I evaluate the DSCR and recommend the best program.
We handle documentation, appraisal, and underwriting.
You close and begin collecting rental income.
Frequently Asked Questions
Frequently Asked Questions
Ready to Explore DSCR Financing?
Share your deal details and I will walk you through the numbers.