California DSCR Loans — Qualify on Rental Income, Not Your Paycheck
- Rates starting at 6% Range*
- Qualification based on property cash flow — not personal income*
- Closings in as little as 5–10 business days*
- 30-Year fixed options — LTV up to 80%
- SFR, STR / Airbnb, Multifamily & Portfolio — all CA markets
- Cash-out refinance available — All Credit Scores Welcomed
NMLS# 2421810 · No impact on your credit score for initial quotes
The California DSCR Loan Specialists
We understand California's rental market — from Los Angeles' massive rental demand to the Bay Area's tech-driven tenant base, San Diego's coastal appeal, and Sacramento's affordable growth corridor.
No Income Docs Required
Forget tax returns, W-2s, and pay stubs. Your California rental property's income does the qualifying — not yours.* Ideal for tech executives, self-employed investors, and high-net-worth individuals.
Lightning Fast Closings
Close your California rental property in as little as 5–10 business days.* Speed matters in competitive markets like Los Angeles, San Diego, and the Bay Area.
STR & Airbnb Welcome
We accept short-term rental income from Airbnb and VRBO for DSCR qualification in markets like Palm Springs, Big Bear, Lake Tahoe, and California's entire coast.
Understand & Calculate Your California DSCR Ratio
The Debt Service Coverage Ratio is the single most important number in rental property lending.
PITI = Principal + Interest + Property Taxes + Insurance. A higher DSCR means more cushion — and better rates.
Your California DSCR Results
Why California Investors Love DSCR Loans
DSCR loans remove the biggest roadblocks traditional financing puts in front of real estate investors.
Our California DSCR Programs
Tailored DSCR financing for every California investment property strategy.
- Rates from 6%*
- Up to 80% LTV on Purchase
- 30-Year Fixed Rate
- No Income or W-2 Required*
- All Credit Score
- Airbnb & VRBO Income Accepted
- Qualify on STR Revenue
- Up to 75% LTV
- LA, Palm Springs, Big Bear & More
- Rates from 6% range*
- Duplex, Triplex, Fourplex
- Combined Rental Income Qualifies
- Up to 75% LTV
- LA, Bay Area & San Diego Markets
- Fast 5–10 Business Day Close*
- Bundle 2–10+ CA Properties
- Single Loan, One Monthly Payment
- Streamlined Underwriting
- Blanket Mortgage Available
- Loan Amounts from $50K–$10M+
Our 4-Step California DSCR Process
From application to funded in as little as 5–10 business days.* No income verification. No unnecessary delays.
Fill out our quick application. No hard credit pull, no income docs upfront. Get a preliminary answer in minutes.
We analyze the California property's rental income vs. the mortgage payment. A DSCR of 1.0+ typically qualifies — term sheet within 24 hours.
We coordinate with local California title companies and order a fast-track appraisal for a seamless closing.
Funds wired directly to escrow. Most California DSCR investors close in 5–10 business days* — sometimes faster.
California DSCR Rates & Terms
No hidden fees. No bait and switch. Rates and terms subject to underwriting approval.*
| California DSCR Program | Starting Rate | Max LTV | Term | Min Loan |
|---|---|---|---|---|
| DSCR Single-Family | From 6%* | 80% LTV | 30 Years Fixed | $100,000 |
| DSCR Short-Term Rental (STR) | From 6%* | 75% LTV | 30 Years Fixed | $150,000 |
| DSCR 2–4 Units | From 6%* | 75% LTV | 30 Years Fixed | $150,000 |
| DSCR Cash-Out Refinance | From 6%* | 75% LTV | 30 Years Fixed | $100,000 |
| DSCR Portfolio (5+ Properties) | From 6%* | 70% LTV | 5/1 ARM or 30yr | $500,000 |
California Markets We Serve
We fund DSCR loans across all of California — from the Bay Area to Southern California and everywhere in between.
What California Investors Say
"Closed my Los Angeles rental property in 8 days. As a tech executive with equity-heavy comp, traditional lenders were a nightmare. DSCR qualification on rental income was a game changer."
"I own Airbnb properties in Palm Springs. American Prime Rate accepted my STR income for DSCR qualification — no other lender was willing to do that. Closed in under 10 days."
"Refinanced my San Diego duplex with a DSCR cash-out loan in 9 days. The rate was competitive and the process was completely seamless. Highly recommend for any CA investor."
California DSCR Loan FAQs
Everything you need to know about DSCR loans in California.
Talk to a California DSCR Loan Expert
Fill out the short form and our California DSCR team will respond within 2 business hours. No hard credit pull. No obligation. Rates starting at 6.49%.*
NMLS# 2421810 · No impact on credit score · No obligation
What Are DSCR Loans in California?
DSCR loans in California are investment property mortgages that qualify borrowers based on the rental income a property generates — not personal income, tax returns, or W-2s. A DSCR of 1.0 or above means the property pays for itself — and that's typically all you need to qualify.
How California DSCR Loans Work
California DSCR lenders evaluate deals based on the property's LTV, current lease agreements or market rent comparables, and the borrower's credit score. No income documentation, no DTI calculation, no employment verification. Funds can be deployed in as little as 5–10 business days.*
DSCR vs Traditional Loans in California
Traditional California mortgages require W-2s, tax returns, and strict DTI limits. DSCR loans bypass all of this, qualifying solely on the California property's rental income potential — the preferred financing tool for California's most sophisticated real estate investors.