DSCR Loans California | Investor Rental Financing | Troy Mire NMLS 1795353
DSCR Loans · California Investor Lending

Qualify on the Property.
Not the Borrower.

DSCR loans let the rental income of the property do the qualifying. No personal income documentation. No tax returns. Built for California investors scaling a portfolio the right way.

Discuss a Deal (562) 244-7963
No
Tax Returns Required
LLC
Vesting Available
30yr
Fixed Available
1.0+
DSCR Ratio Required
The Mechanics

What Is a DSCR Loan?

DSCR stands for Debt Service Coverage Ratio. The lender looks at whether the property's rental income is sufficient to cover the mortgage payment. Your W-2, your tax returns, and your personal income are not part of the equation.

Monthly Rent $3,200
PITIA Payment $2,800
DSCR Ratio 1.14 ✓
Key Advantages
  • No personal income documentation. W-2s, tax returns, and pay stubs are not required. The property qualifies.
  • LLC and entity vesting available. Structure the loan under your operating entity from day one. No need to hold title personally.
  • 30-year fixed rate options. Long-term fixed rate structures for buy-and-hold investors who want payment certainty.
  • Portfolio scaling. Qualify for additional properties without personal income caps. Each deal stands on its own rental math.
  • Self-employed investor friendly. Write-offs that reduce your taxable income on paper do not hurt your qualification here.
Program Structure

DSCR Loan Parameters

Common program structures across California DSCR lenders. Exact terms depend on the property, borrower profile, and lender selected from our investor network.

Standard DSCR

  • DSCR Minimum1.0 to 1.25
  • Loan Term30-Year Fixed
  • Max LTVUp to 80%
  • Minimum Credit620+
  • Income DocsNone Required
  • Entity VestingLLC Allowed
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Short-Term Rental

  • Property TypeSTR / Airbnb
  • Income BasisMarket or AirDNA Data
  • Max LTVUp to 75%
  • Minimum Credit640+
  • Income DocsNone Required
  • Entity VestingLLC Allowed
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DSCR Cash-Out

  • PurposeEquity Extraction
  • Max LTVUp to 75%
  • Loan Term30-Year Fixed
  • Minimum Credit640+
  • Income DocsNone Required
  • Entity VestingLLC Allowed
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Ideal Borrower Profile

Who Uses DSCR Loans

  • 01
    Self-Employed Investors You write off income aggressively. Your tax returns show low net income. A conventional lender sees a problem. A DSCR lender doesn't look at your returns.
  • 02
    Portfolio Builders You've already used your conventional loan capacity. DSCR lets you add properties based on each deal's rental income, not your personal debt-to-income ratio.
  • 03
    LLC-Structured Investors You hold investment properties under an LLC for liability and tax reasons. DSCR lenders accommodate entity vesting where conventional programs typically do not.
  • 04
    Cash-Out on Rentals You want to pull equity from a performing rental property without triggering a conventional refinance that requires full income documentation and DTI review.

"The property pays for itself. That should be enough to get the loan."

That's the core logic behind DSCR lending. If the rent covers the mortgage at a ratio of 1.0 or better, the deal can typically be structured. The borrower's employment, income history, and tax documentation are not the determining factors.

This matters most for self-employed borrowers, portfolio investors, and anyone who has already reached conventional loan limits but continues to acquire performing rental assets.

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Common Questions

DSCR Loan FAQ

A DSCR loan qualifies based on the property's rental income rather than the borrower's personal income or employment. The lender calculates the Debt Service Coverage Ratio by dividing the monthly gross rent by the total monthly housing payment (principal, interest, taxes, insurance, and HOA if applicable). A ratio of 1.0 means the rent exactly covers the payment. A ratio above 1.0 means it covers more than the payment. Most programs require a minimum of 1.0 to 1.25.
No. DSCR loans do not require personal tax returns, W-2s, pay stubs, or employer verification. The qualification is based entirely on the property's rental income and coverage ratio. This is the primary reason self-employed investors and portfolio builders use DSCR programs.
Yes. Most DSCR programs allow vesting in an LLC or other legal entity. This is standard for investors managing rental portfolio assets under a business structure. The entity needs to be disclosed at the start so the correct program is selected. Not all programs allow this, so lender selection matters.
Most DSCR programs require a minimum credit score of 620 to 640. Better pricing and higher LTV options typically require 680 or above. Credit is a factor but is secondary to the property's coverage ratio. The full profile, including reserve requirements and property type, affects which programs are available.
Yes. 30-year fixed rate DSCR loans are available for qualifying investment properties in California. This structure is common for buy-and-hold investors who want long-term payment certainty without adjustable rate exposure. ARM options are also available for investors with shorter hold strategies.
Yes. DSCR cash-out refinance is available on non-owner occupied investment properties. The new loan qualifies based on the property's rental income coverage ratio. Maximum LTV on cash-out is typically up to 75 percent depending on the lender and program. The cash-out proceeds can be used for any business purpose including acquiring additional investment properties.

Ready to Structure Your Deal?

Every inquiry goes directly to Troy. No call centers, no junior processors, no scripted intake. Same business day response on all DSCR and investor loan inquiries.

Submit Your Situation Call (562) 244-7963