DSCR Loans California — Construction Loan & Materials Supply | Wexmoor Circle
Finance the Deal.

DSCR Loan
California.

Every investor scenario covered. Qualify on the property — not the W-2 or tax returns.

Explore DSCR  →
Build the Asset.

Construction‑to‑
DSCR Bridge.

From ground break to stabilized income — one continuous loan.

Start Your Build  →

01

Finance

Six investor loan programs — every California scenario covered. Qualify on the property, not your W-2 or tax returns.

  • Standard DSCR Single-Family · Multi-Family · 5+ Units
  • No-Ratio DSCR No income ratio required · Property value qualifies
  • Short-Term Rental DSCR Vacation & short-term rental · No signed lease needed
  • Asset Depletion Turn liquid savings into qualifying income · No W-2 needed
  • Stated Income DSCR Projected rental income · Bank statements accepted
  • Cash-Out Refinance Pull equity from what you own · Fund your next deal
Explore DSCR Programs  →
DSCR · California

DSCR
Full Family

30+ wholesale lenders 3–4 weeks to close No W-2 required
Construction
Ground break
to stabilized
income.
ADUs & Multi-Family
HVAC · Solar · Battery
One continuous loan

02

Build

Build.
Finance.
Own.

One financing path from ground break to stabilized income. Finance, build, and hold — structured around your project from day one.

  • Construction-to-DSCR Bridge ADUs · Multi-Family · Mixed-Use · Commercial — one continuous loan
  • GC Partnership License Licensed GC partner available · Discussed and structured during application
  • Owner-Builder Loan Finance your own build · Discussed and structured during the application
  • Stabilization Bridge Lease-up & near-complete properties · Clear path to permanent DSCR exit
Explore Build Programs  →

03

Supply

LoopLine manages the supply chain — procures, containerizes, and delivers construction and decorative materials matched exactly to your design spec, on schedule, every time.

  • Containerized Procurement System-ordered · Exact quantities · Zero overstock · Zero waste
  • Design Screen Match Upload your design spec · LoopLine matches every material to finish, color, and grade
  • Construction Materials Structural · Framing · MEP · HVAC · Solar · Battery storage · Everything containerized and build-ready
  • Decorative Materials Tile · Flooring · Fixtures · Millwork · Design-grade, screen-match guaranteed
  • Site-Ready Fulfillment Delivered to the job site · On schedule · Construction and renovation ready
Source Materials  →
LoopLine · Live Now

Just‑in‑time.
Job‑site ready.

Single-source procurement On-schedule delivery Design spec guaranteed
Program Guides

Know your
program.

Finance
DSCR Loan California

The asset qualifies — not the borrower. Single-family, multi-family, and 5+ unit properties. Qualify on rental income, no W-2 or tax returns.

Read Guide  →
Finance
Stated Income Commercial Loans

Finance when property income qualifies but tax returns or conventional DSCR thresholds would block bank approval.

Read Guide  →
Finance
DSCR — Self-Employed Investors

The property qualifies — not your tax return. Built for self-employed California investors who qualify on rental income.

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Finance
Bank Statement Loans

Qualify on actual cash flow — not tax returns. Self-employed borrowers use 12–24 months of bank deposits instead of AGI.

Read Guide  →

Build and Supply guides in progress — more pages being added.

FAQ

Common
questions.

Do I need a W-2 or tax returns to qualify?

No. DSCR loans qualify on the property's rental income — not your employment history or tax returns. Your W-2 and adjusted gross income are not part of the underwriting equation. If the property's debt service coverage ratio meets the lender's threshold, you qualify.

What DSCR ratio do I need?

Most programs require a minimum DSCR of 1.0 — meaning the property's gross rental income covers the full mortgage payment. Some programs, including our No-Ratio DSCR, have no minimum ratio requirement at all. We work across the full DSCR spectrum and match your scenario to the right program.

Can I use a short-term rental property?

Yes. Our Short-Term Rental DSCR program uses projected short-term rental income — Airbnb, VRBO, and similar platforms — without requiring a signed long-term lease. Qualification is based on market rental data for the property type and location.

How long does it take to close?

Most deals close in 3–4 weeks from application. Unlike conventional loans, there is no income verification bottleneck. Timeline depends on appraisal scheduling and title — the underwriting itself moves fast.

What property types qualify?

Single-family residences, condos, 2–4 unit properties, 5+ unit multifamily, mixed-use, and commercial investment properties. Short-term rentals and vacation properties also qualify under the right program.

Can I pull cash out with a DSCR loan?

Yes. Cash-out refinance is available on properties you already own. You pull equity based on the property's current appraised value — not your income. Proceeds can be used to fund your next acquisition or any other purpose.

Do I need a California property?

Our primary focus is California investment properties, where we have the deepest lender relationships and fastest execution. Submit your deal and we will confirm program availability for your specific property and state.

What if my DSCR is below 1.0?

You still have options. The No-Ratio DSCR program removes the ratio requirement entirely — the property value and loan parameters qualify the deal. Asset Depletion can also supplement qualifying income using liquid savings. We identify the right path based on your specific numbers.

Review My Deal

Submit your deal.
We'll review it.

Tell us about the property and your scenario. We'll come back with a clear answer on program fit, timeline, and next steps — no obligation.

01
Tell us about the property and your scenario
02
We identify the right program and confirm fit
03
You receive a clear path forward within 24 hours
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