DSCR Loan California — Qualify on Rental Income
A DSCR loan lets real estate investors in California qualify based on the property's rental income — not personal income or tax returns. If the rent covers the mortgage, you can qualify.
What Is a DSCR Loan?
A DSCR loan (debt service coverage ratio loan) is an investment property mortgage that qualifies you based on the property's rental income instead of your personal income. If the rent covers the mortgage payment, you can qualify — no W-2s, no tax returns, no employment verification.
DSCR loans are the fastest-growing loan type for real estate investors in California because they let you scale your portfolio without traditional income documentation holding you back.
Investment Markets in California
San Diego
Pacific Beach · North Park · Normal Heights · Mission Beach
Los Angeles
Santa Monica · Beverly Hills · Silver Lake · Echo Park
San Francisco
Marina · Pacific Heights · Noe Valley · Mission District
San Jose
Willow Glen · Rose Garden · Almaden Valley · Evergreen
Oakland
Rockridge · Temescal · Grand Lake · Montclair
Sacramento
Midtown · East Sacramento · Land Park · Curtis Park
Irvine
Woodbridge · Turtle Rock · University Park · Northwood
Long Beach
Belmont Shore · Naples · Bixby Knolls · Alamitos Heights
Fresno
Tower District · Fig Garden · Woodward Park · Old Fig
Bakersfield
Downtown · Westchester · Seven Oaks · Riverlakes