California (CA)

DSCR Loans in California

Property-cash-flow mortgages for California real estate investors. No tax returns, 80% LTV, close in 13 days.

Get a CA DSCR QuoteRun DSCR Calculator

Why DSCR Loans Work in California

High values mean larger loan sizes — our investors use bridge and fix & flip capital to move fast in competitive Southern California and Central Valley markets.

Average Rent
$2,750/mo
Top Markets
Inland Empire & Sacramento for value-add; coastal metros for appreciation.
Close Time
13–21 days statewide

California DSCR Loan Program

  • Loan Amount
    $100,000 – $5,000,000+
  • Max LTV
    80% purchase · 80% cash-out refi
  • Minimum Credit
    620 FICO
  • Minimum DSCR
    1.0 (sub-1.0 with compensating factors)
  • Property Types
    1–8 unit residential, condos, small multi-family, STR
  • Borrower Entity
    Individual, LLC, LP, Trust
  • Income Documentation
    None required
  • Rate Range
    Mid-7% to low-9% (Nov 2025)

Cities We Fund in California

Los Angeles
San Diego
Sacramento
Fresno
Riverside

Plus every other city, town, and county across California. Statewide coverage.

Related Resources

DSCR Loan Program Overview →
Full program details, rates, and how DSCR loans work.
DSCR Loan Requirements →
Credit, DSCR ratio, down payment, and documentation.
DSCR vs Conventional →
Compare DSCR to traditional investment mortgages.
DSCR Calculator →
See if your California property qualifies in 30 seconds.

DSCR Loans in Other States

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Frequently Asked Questions

Ready to Fund Your California Rental?

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