California (CA)
DSCR Loans in California
Property-cash-flow mortgages for California real estate investors. No tax returns, 80% LTV, close in 13 days.
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 LTV80% purchase · 80% cash-out refi
- Minimum Credit620 FICO
- Minimum DSCR1.0 (sub-1.0 with compensating factors)
- Property Types1–8 unit residential, condos, small multi-family, STR
- Borrower EntityIndividual, LLC, LP, Trust
- Income DocumentationNone required
- Rate RangeMid-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?
Get a DSCR quote for your California property in minutes — no credit pull, no income docs.
California Rental Properties for Investors
On-Market
active
DSCR Eligible
SFR
$6,495,000
1740 Summitridge Drive
Los Angeles, CA 90210
Est. Rent
$35,000/mo
Cap Rate
4.2%
Cash Flow Positive: $23,000/mo
6 beds8 baths12,500 sqft
Exclusive
active
DSCR Eligible
SFR
$525,000
55285 Tanglewood
La Quinta, CA 92253
Est. Rent
$4,200/mo
Cap Rate
7.1%
Cash Flow Positive: $3,100/mo
3 beds3 baths2,200 sqft
On-Market
active
DSCR Eligible
SFR
$845,000
1088 Deer Springs Road
San Marcos, CA 92069
Est. Rent
$5,500/mo
Cap Rate
5.3%
Cash Flow Positive: $3,700/mo
5 beds3 baths3,200 sqft