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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
Get a Free California DSCR Quote
View DSCR Programs
6%Starting Rate*
48hrAverage Approval
5–10Day Closings*
Get a Free California DSCR Quote
Fill out the info below and see your rate in minutes. No hard credit pull.
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.
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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.
The DSCR Formula
Gross Monthly Rent
÷
Monthly PITI
=
DSCR Ratio
PITI = Principal + Interest + Property Taxes + Insurance. A higher DSCR means more cushion — and better rates.
What Your DSCR Score Means
1.25 and above — ExcellentStrong cash flow. Qualifies for lowest rates & highest LTVs.
1.10 – 1.24 — GoodSolid qualification range. Eligible for up to 80% LTV at competitive rates.
1.00 – 1.09 — Minimum ThresholdBreakeven coverage. Most CA lenders approve at 1.0+.
Below 1.00 — Below ThresholdContact our CA team — we have options including interest-only products.
California DSCR Calculator
Enter your property details below — get your ratio instantly.
Use current lease amount or market rent comp
Purchase price minus your down payment
CA DSCR rates start at 6.49%* — use 6.49 as a baseline
Leave taxes/insurance blank — we’ll calculate P&I only
Your California DSCR Results
—Your DSCR Ratio
Monthly P&I Payment—
Monthly Taxes + Insurance—
Total Monthly PITI—
Monthly Cash Flow (est.)—
Ready? Call 866-621-7726 or get your official CA DSCR quote →
Why California Investors Love DSCR Loans
DSCR loans remove the biggest roadblocks traditional financing puts in front of real estate investors.
🏠Qualify Based on Rental IncomeYour California property’s rent covers the mortgage? You qualify. Your personal income is never part of the equation.*
📈Scale Your Portfolio FasterNo DTI limits holding you back. Purchase your next California rental without existing properties counting against your debt load.
💵Cash-Out Refinance AvailablePull equity from your existing California rentals to fund new acquisitions — without income documentation or lengthy delays.
🏖️Short-Term Rental WelcomeOwn Airbnb or VRBO properties in Palm Springs, Big Bear, or Lake Tahoe? We qualify STR income for strong DSCR ratios.
🔄30-Year Fixed StabilityLock in predictable, long-term financing on your California rental portfolio with a 30-year fixed rate.
🛡️No Prepayment SurprisesTransparent terms. Flexible prepayment options. When we issue a term sheet on your California DSCR loan, you can count on it closing.
Our California DSCR Programs
Tailored DSCR financing for every California investment property strategy.
Most PopularDSCR Single-Family Rental
- Rates from 6%*
- Up to 80% LTV on Purchase
- 30-Year Fixed Rate
- No Income or W-2 Required*
- All Credit Score
Get SFR Quote →
High DemandDSCR Short-Term Rental (STR)
- Airbnb & VRBO Income Accepted
- Qualify on STR Revenue
- Up to 75% LTV
- LA, Palm Springs, Big Bear & More
- Rates from 6% range*
Get STR Quote →
2–4 UnitsSmall Multifamily DSCR
- Duplex, Triplex, Fourplex
- Combined Rental Income Qualifies
- Up to 75% LTV
- LA, Bay Area & San Diego Markets
- Fast 5–10 Business Day Close*
Get Multifamily Quote →
Portfolio GrowthDSCR Portfolio Loans
- 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.
1Apply Online
Fill out our quick application. No hard credit pull, no income docs upfront. Get a preliminary answer in minutes.
2DSCR Review
We analyze the California property’s rental income vs. the mortgage payment. A DSCR of 1.0+ typically qualifies — term sheet within 24 hours.
3Title & Appraisal
We coordinate with local California title companies and order a fast-track appraisal for a seamless closing.
4Get Funded
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.
Los AngelesSFR & Multifamily Rentals
San DiegoCoastal & STR Rentals
San FranciscoTech-driven tenant base
SacramentoAffordable growth corridor
Palm SpringsAirbnb & vacation rentals
Oakland / East BayBay Area rental market
Riverside / Inland EmpireHigh-growth rental market
All of CaliforniaStatewide DSCR lending
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.”
MMichael T.DSCR SFR · Los Angeles, CA
★★★★★
“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.”
SSara L.DSCR STR · Palm Springs, CA
★★★★★
“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.”
DDavid R.DSCR Cash-Out Refi · San Diego, CA
California DSCR Loan FAQs
Everything you need to know about DSCR loans in California.
A DSCR loan in California qualifies borrowers based on a rental property’s income rather than personal income. We calculate DSCR by dividing gross monthly rent by the total monthly mortgage payment. A ratio of 1.0 or higher typically qualifies. Ideal for self-employed investors or those with complex income structures.
California DSCR loan rates start at 6.49%* for well-qualified borrowers on single-family rentals with 30-year fixed terms. STR and multifamily rates start at 6.99%*. Your actual rate depends on LTV, credit score, DSCR ratio, and property type. Contact us for a personalized quote — no hard credit pull required.
Yes. We accept short-term rental income from Airbnb and VRBO for DSCR qualification in California. We typically use a trailing 12-month average or market STR income appraisal. Ideal for vacation rental investors in Palm Springs, Big Bear, Lake Tahoe, and coastal properties.
No. California DSCR loans require no personal income verification, no tax returns, and no W-2s.* Qualification is based entirely on the rental property’s income potential using the current lease or a market rent analysis.
Our California DSCR programs require no minimum credit score. A higher score (680+) may help you qualify for our most competitive rates and LTV options. We do not pull your credit for an initial quote.
We provide DSCR loans across all of California including Los Angeles, San Diego, San Francisco, San Jose, Sacramento, Fresno, Oakland, Long Beach, Bakersfield, Anaheim, Riverside, Stockton, Irvine, Palm Springs, Santa Barbara, and all surrounding areas statewide.
Most California DSCR loans close in 5–10 business days.* Our process starts with a quick online application, followed by a term sheet within 24 hours. We coordinate directly with local California title companies to ensure a fast, smooth closing. *Timelines subject to appraisal, title, and underwriting conditions.
Yes. California DSCR cash-out refinances are available up to 75% LTV. Access your property equity to fund new acquisitions, renovations, or other investments — all without personal income verification. No minimum credit score required.
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%.*
📧Email Usinfo@americanprimerate.com
📞Call Us866-621-7726
📍We Lend InAll of California & Nationwide
Free California DSCR Quote — No Obligation
Get Your California DSCR Rate
Our California team responds within 2 business hours
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.
Important Disclosures — NMLS# 2421810
*All rates, timelines, and program details are subject to underwriting approval and program guidelines. Single-family DSCR rates advertised start at 6.49%; STR and multifamily rates start at 6.99%; portfolio rates start at 7.24%. Rates are not guaranteed; actual rate offered will be determined at time of application. Closing timelines of 5–10 business days are estimates and may vary depending on appraisal, title, and underwriting conditions. Not a commitment to lend. Not all applicants will qualify. American Prime Rate is an equal opportunity lender. NMLS Consumer Access: nmlsconsumeraccess.org