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DSCR Loans in California
Find lenders offering dscr loans in California. qualify based on property cash flow, not personal income.
Typical Rate
7.0% - 9.5%
Down Payment
20-25%
Term
30 years
Closing Time
2-4 weeks
About DSCR Loans in California
Debt Service Coverage Ratio (DSCR) loans let real estate investors qualify based on the property's rental income rather than personal income or employment. Ideal for investors building a portfolio without traditional income documentation. Whether you're looking to finance a property in California's major metros or smaller markets, DSCR lenders in CA offer loan amounts from $100K to $5M with rates typically ranging from 7.0% - 9.5%.
Who Should Consider DSCR Loans?
- Real estate investors
- Portfolio builders
- Self-employed borrowers
- Foreign nationals
Key Requirements in California
- Minimum credit score: 620-680
- DSCR ratio ≥ 1.0
- Down payment: 20-25%
- Property must be investment (not owner-occupied)
Pros and Cons
✅ Advantages
- ✓No personal income verification
- ✓Unlimited properties
- ✓Fast closing
- ✓LLC/entity vesting allowed
⚠️ Considerations
- •Higher rates than conventional
- •Larger down payment
- •Prepayment penalties common
- •Minimum DSCR ratio required (typically 1.0-1.25)
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