What is a good DSCR ratio?

Most lenders want a DSCR of at least 1.0, meaning the property's income covers the debt payments. A DSCR of 1.25+ gets you better rates and terms.

Can I get a DSCR loan with no money down?

No. DSCR loans typically require 20-25% down. Some lenders may accept cross-collateralization to reduce cash needed.

Do DSCR loans show on my credit report?

It depends on the lender. Some report to credit bureaus, others don't. Ask your lender before closing.

Can I use a DSCR loan for a short-term rental?

Yes. Many DSCR lenders accept Airbnb/VRBO income. They typically use projected rental income from platforms like AirDNA or actual booking history.

📊

DSCR Loans in Los Angeles, CA

Find lenders offering dscr loans in the Los Angeles, including Long Beach, Santa Monica, Pasadena, and surrounding areas. Compare rates, terms, and programs from 43 lenders.

Find Los Angeles DSCR Lenders →

Lenders

Typical Rate

7.0% - 9.5%

Down Payment

20-25%

Term

30 years

Closing Time

2-4 weeks

DSCR Lenders Serving Los Angeles

43 lenders offering dscr loans in the Los Angeles, CA area.

Civic Financial Services

Local

Redondo Beach, CA

Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.

$100K – $5M

View →

CoreVest Finance

Local

Irvine, CA

Rental portfolio and bridge lender for residential real estate investors. Build-to-rent and portfolio financing specialist. Redwood Trust subsidiary.

$200K – $50M

View →

Griffin Funding

Local

Nationwide DSCR lender. No income verification, DSCR as low as 0.75. Up to $5M loan amounts. Also offers VA, conventional, and non-QM loans.

$100K – $5M

View →

JMAC Lending

Local

DSCR loans available in select states. Min DSCR 0.75, max LTV 75%, min FICO 660-700.

View →

Kiavi

Local

San Francisco, CA

Technology-driven lender (formerly LendingHome). $16B+ in loans funded. DSCR rental loans and bridge loans for fix-and-flip.

$100K – $3M

View →

Truss Financial Group

Local

Tailored DSCR and non-QM mortgage solutions. 30-year fixed DSCR loans from $100K to $3M. Also offers 'no ratio' loans.

$100K – $3M

View →

Velocity Mortgage Capital

Local

Westlake Village, CA

Small balance commercial mortgage lender. DSCR and business purpose loans for 1-4 unit investment properties and small commercial properties.

$100K – $5M

View →

Acra Lending

Local

Wholesale non-QM lender with a dedicated DSCR program for investment properties. Offers bank statement, asset qualifier, and foreign national programs alongside DSCR.

View →

Newfi Wholesale

Local

Emeryville, CA

Wholesale lender offering DSCR investor loans alongside bank statement, asset qualifier, and jumbo non-QM products. Known for flexible underwriting guidelines.

View →

HomeXpress Mortgage

Local

Wholesale non-QM lender offering DSCR loans for 1-4 unit investment properties. Fast turn times with competitive investor pricing and no income verification required.

View →

Oaktree Funding

Local

Wholesale non-QM lender providing DSCR loans for real estate investors. Specializes in bank statement, asset depletion, and investor cash flow programs.

View →

Kind Lending

Local

Santa Ana, CA

Wholesale lender founded by industry veterans offering DSCR loans for rental investors. Competitive non-QM products with fast underwriting and broker-friendly service.

View →

Change Lending

Local

Wholesale lender with a dedicated DSCR program for real estate investors. Offers competitive non-QM products including bank statement and asset qualifier loans.

View →

A&D Mortgage

Fort Lauderdale, FL

Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.

View →

Angel Oak Mortgage Solutions

Atlanta, GA

Major non-QM and DSCR lender. Investor cash flow loans up to $1.5M. 40-year terms with interest-only options. No limit on properties.

$100K – $2M

View →

Los Angeles Commercial Real Estate Market

Los Angeles is the largest CRE market on the West Coast, with deeply specialized submarkets ranging from the Arts District's creative office conversions to the Port of Los Angeles/Long Beach industrial complex, the largest container port system in the Western Hemisphere. The Westside markets of Century City, Santa Monica, and Culver City command the region's highest office rents, driven by entertainment, technology, and professional services tenants. Downtown LA's adaptive reuse ordinance has transformed the Historic Core and South Park neighborhoods with residential, hotel, and mixed-use projects. The San Fernando Valley and South Bay submarkets provide more affordable office and industrial alternatives, while the Hollywood and Burbank media corridor remains the epicenter of studio and production space demand.

Key Economic Drivers

●Port of Los Angeles/Long Beach complex and related logistics infrastructure
●Entertainment industry studios and production facilities (Walt Disney, Netflix, Warner Bros.)
●Cedars-Sinai, UCLA Health, and Keck Medicine of USC hospital systems
●SpaceX headquarters in Hawthorne and the aerospace defense corridor along the South Bay

Market Insight

Los Angeles's 2028 Olympic Games preparations are driving billions in infrastructure investment including transit expansions, hotel development, and venue construction, creating CRE opportunities in neighborhoods near competition and event sites.