DSCR
Lending.
Full family.
From standard 1.0x DSCR to no-ratio, short-term rental, and asset depletion — we cover every California investor scenario across 30+ wholesale lenders.
No W-2. No tax returns. The property qualifies. You close.
Every
scenario.
One team.
For stabilized 1–4 unit investment properties with a DSCR of 1.0x or higher. Fully amortized, 30-year fixed. Long-term lease income used for qualification. The most widely available program — and the one we’ve optimized most aggressively across our lender network. Most deals in this category close in under four weeks.
Properties operating on short-term rental platforms qualify using STR market income data in place of a traditional lease. Available across California coastal and urban markets. DSCR is calculated using platform-reported or third-party projected income. No 12-month lease agreement required — the platform income qualifies the deal on its own.
No income ratio required. Qualification is based entirely on asset value, borrower credit profile, and liquid reserves — not property income. Designed for properties in lease-up, renovation, or transitional occupancy status where current income doesn’t yet reflect stabilized potential. The most flexible program we offer.
For investors with significant liquid assets but limited documented employment income. Qualifying assets — bank accounts, brokerage holdings, retirement funds — are converted into a monthly income equivalent and applied to the DSCR calculation. No employment income, no W-2, no business returns required.
No U.S. credit history, no SSN, no employment documentation required. Designed for international investors purchasing California investment property. Qualification is based on the property’s DSCR, LTV, and a foreign credit reference or bank letter from the investor’s home-country institution. Foreign passport accepted.
Rate-and-term or cash-out refinance on stabilized investment properties. Access equity built in existing assets without income documentation. Proceeds can fund renovation, next acquisition down payment, or operating capital. No-seasoning options available with select lenders for recently acquired or refinanced properties.
The asset
qualifies.
Not you.
Conventional lenders built their underwriting for W-2 borrowers. DSCR lenders built it for investors. If the property services its own debt, the deal should move — regardless of your tax return, employment status, or income structure. That’s the logic we’ve built our entire platform around.
Three steps.
3–4 weeks.
Submit your property details through our intake form. JULIA, our AI loan processor, reviews the scenario and routes it to the right program before any lender sees your file. You’ll hear back within one business day.
~15 minWe shop your file across 30+ wholesale lenders simultaneously. Appraisal ordered, conditions resolved, lender commitment issued. We manage every moving piece — you focus on your deal.
1–2 weeksTitle, escrow, signing. Most stabilized DSCR loans close in 3–4 weeks from intake. Rush closings available for time-sensitive acquisitions — raise this at intake if you have a hard deadline.
3–4 wks totalNot your income.
DSCR loans evaluate the income the property generates — not your W-2, tax returns, or employment status. If rent covers debt service, the deal should move. That’s the logic we’ve optimized for.
not months.
Our underwriting is built for speed. Parallel processing across 30+ wholesale lenders and a pre-submission deal review means your file goes in ready — not riddled with conditions that stall closes.
six others might.
30+ wholesale lender relationships mean more options and more competitive pricing. We know which lenders take which scenarios — your file goes where it fits, not where it’s easiest.
Common
questions.
DSCR stands for Debt Service Coverage Ratio. It measures whether a property generates enough income to cover its debt obligations. The formula: DSCR = Gross Monthly Rent ÷ Monthly PITIA (Principal, Interest, Taxes, Insurance, Association dues). A DSCR of 1.0x means rent exactly covers debt service. Standard programs require 1.0x or higher; no-ratio programs waive this requirement entirely.
No. DSCR loans are designed specifically to eliminate the need for employment income documentation. There are no W-2s, no tax returns, and no pay stubs required. The property’s income qualifies the loan — not yours. This is the defining feature of DSCR lending and why it’s become the preferred structure for serious California real estate investors.
For Standard DSCR programs, most lenders require a minimum ratio of 1.0x. Some lenders accept ratios as low as 0.75x with compensating factors such as higher credit score, larger down payment, or more reserves. Our No-Ratio program removes the requirement entirely — the property qualifies on LTV, credit, and reserves alone.
Yes. Our Short-Term Rental DSCR program accepts STR market income data from approved sources in place of a traditional long-term lease. This allows Airbnb, VRBO, and similar platform properties across California to qualify using projected or historical platform income — without a 12-month lease agreement on file.
1–4 unit residential investment properties across all DSCR programs. This includes single-family rentals (SFR), duplexes, triplexes, and fourplexes. Properties must be non-owner-occupied — DSCR is an investment product only. Condos, townhomes, and warrantable units also eligible with select lenders.
Most standard DSCR programs require a minimum 660–680 mid-score. No-ratio and foreign national programs may allow lower scores with compensating factors. We review your full profile — score, payment history, reserves, LTV — before recommending the right lender, so your file isn’t declined before we find the right fit.
Most stabilized DSCR loans close in 3–4 weeks from intake. This assumes complete documentation, an accessible property for appraisal, and responsive title and escrow. Complex scenarios (STR, no-ratio, foreign national) may add a week. Rush closings are available with select lenders for time-sensitive acquisitions.
Yes. DSCR loans are widely available to LLCs, corporations, and other legal entities. Most of our lender network allows entity-vesting at closing without requiring personal guaranty on standard programs. This makes DSCR the preferred structure for investors building portfolio-level entity structures.
Yes. Our Foreign National DSCR program is designed for international investors purchasing California investment property. No U.S. credit history, no SSN, no employment documentation required. We qualify the deal using the property’s DSCR, LTV, and a foreign credit reference or bank letter from the investor’s home-country institution.
Standard DSCR programs accommodate loans from $150,000 to $5 million. For larger portfolios or non-standard deal sizes above this range, reach out directly — we have dedicated relationships that handle those scenarios on a case-by-case basis.
Tell us about
your deal.
Complete the intake form below. Our team reviews every submission and responds within one business day.
