Residential investment apartment buildings
CALIFORNIA DSCR INVESTMENT PROPERTY LOANS

Let Your Rental Property
Work for You.

Financing an investment property in California? Explore DSCR loans that focus on a property's rental income potential rather than relying primarily on traditional personal-income documentation. Whether you're purchasing or refinancing, we'll help you review your options.

Explore Your DSCR Loan Options

Tell us about your investment property plans and we'll help you explore financing possibilities.

WHY A DSCR LOAN?

  • Qualifying may focus on property cash flow rather than traditional W-2 income
  • Options for eligible rental property purchases and refinances
  • Financing solutions for qualifying real estate investors
  • Potential options for investors with multiple properties

WHY I LOVE MY LENDER

  • Personalized guidance for California real estate investors
  • Clear explanations of DSCR calculations and qualification requirements
  • Help comparing down payments, rates, reserves, and loan terms
  • Support from initial scenario review through closing

COMMON QUESTIONS

What does DSCR mean?

DSCR stands for Debt Service Coverage Ratio. Lenders generally compare a property's qualifying rental income with its debt obligations to assess its ability to support loan payments.

Do I need W-2s or tax returns?

Some DSCR programs do not require traditional personal-income documentation, but documentation requirements vary by lender and program. Credit, assets, property income, and other underwriting criteria still apply.

Can I use a DSCR loan for a primary residence?

DSCR loans are generally designed for business-purpose investment properties, not owner-occupied primary residences.

How much down payment is required?

Down payment requirements vary based on the property, credit profile, DSCR, and loan program. We can help review available options for your scenario.

DSCR loans are generally intended for eligible business-purpose investment properties. Loan availability, rates, down payments, reserves, and approval depend on lender and program guidelines. Property cash flow and other underwriting requirements apply. This is not a commitment to lend. Equal Housing Lender. NMLS #952076.