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DSCR Loans in California

DSCR Loans in California — Qualify on the Rent, Not Your Tax Returns.

OneDSCR finances California rental property on the deal's cash flow — no personal tax returns, W-2s, or traditional DTI underwriting. Purchase, refinance, or pull cash out statewide, and close in an LLC.

  • Statewide coverage. Los Angeles, San Diego, the Bay Area, Sacramento, and beyond.
  • Up to 80% LTV. On purchases and rate-and-term refinances, 75% cash-out.
  • Higher loan amounts. Structured for California's price points, up to $5M.
  • Close in an LLC. Finance the way you actually hold real estate.
Speak to a DSCR Loan Specialist Learn More
California DSCR Calculator
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Estimate only, based on principal, interest, taxes, insurance, and HOA. Final terms subject to underwriting.

How DSCR loans work for California investors

A DSCR (Debt Service Coverage Ratio) loan qualifies a California rental on the property's income versus its full monthly payment — not on your personal tax returns or employment. Divide the property's monthly rent by its total payment (principal, interest, taxes, insurance, and any HOA); a ratio of 1.0 means the rent exactly covers the payment, and higher ratios unlock better leverage and pricing. Because California properties often carry larger loan amounts, even a modest DSCR gap can represent real dollars — worth running the numbers before you write an offer.

What California investors should know about DSCR loans

California pairs high property values with a handful of state-specific rules that shape how a deal underwrites.

Prop 13 keeps taxes predictable

Proposition 13 caps how fast a property's assessed value — and its tax bill — can rise each year, which keeps your DSCR math more stable over time than in states with frequent reassessments.

Statewide rent cap (AB 1482)

California's Tenant Protection Act limits annual rent increases on most non-exempt rental housing, so it's worth underwriting future rent growth conservatively rather than assuming market-rate jumps.

Higher price points, larger loans

California's major metros carry some of the highest property values in the country, so DSCR loan sizing here often runs well above the national average.

California DSCR loan options

Purchase

Acquire your next California rental on cash-flow underwriting — up to 80% LTV, no income docs, close in an LLC.

Analyze My Purchase

Cash-Out Refinance

Pull equity from a property you own — up to 75% LTV — to fund the next acquisition, no income review.

Estimate My Cash Out

Rate & Term Refi

Refinance into better terms or a fixed 30-year without touching your equity or verifying personal income.

Check My Savings

California investor markets we finance

We lend statewide. These are among the California markets we most commonly finance.

Los Angeles & South Bay
Deep single-family and small multifamily inventory across a wide range of submarkets.
San Diego
Strong long-term rental demand near major employment and military bases.
San Francisco Bay Area
High price points offset by some of the strongest rents in the state.
Sacramento
State capital rental market with steady demand and comparatively lower entry prices.
Inland Empire
Riverside and San Bernardino counties offer more affordable entry points near LA.
Central Valley
Fresno, Bakersfield, and surrounding markets with some of the state's most accessible pricing.

California DSCR loan snapshot

Typical program parameters — final structure depends on credit, property, and the full file.

QualificationProperty rent — no tax returns / W-2s
Max LTV (purchase / R&T)Up to 80%
Max LTV (cash-out)Up to 75%
Typical down payment20–25%
Minimum credit650+ (case-by-case lower)
Reserves~3–6 months PITIA
Loan amounts$75K – $5M
VestingIndividual or LLC
Property typesSFR, 2–4 unit, condo

What makes a California deal different

Prop 13 stabilizes taxes. Property tax increases are capped year over year, which makes long-run DSCR projections more predictable than in states with frequent reassessments.

Rent growth is capped statewide. AB 1482 limits annual rent increases on most non-exempt units, so we underwrite realistic rent growth rather than optimistic projections.

Transfer taxes vary by city and county. California has no single statewide real-estate transfer tax, but many counties and cities — San Francisco and Los Angeles among them — levy their own documentary transfer tax, so we factor in the local rate before closing.

Recently funded in California

Purchase · Los Angeles
$742,000
  • 1.08 DSCR at 75% LTV
  • Closed in an LLC
  • Funded in 23 days
Cash-Out · San Diego
$385,000
  • 70% LTV cash-out
  • Stabilized single-family rental
  • Funded the next Inland Empire purchase
Small Multifamily · Oakland
$920,000
  • 1.02 DSCR on a 4-unit
  • Underwritten to AB 1482 rent limits
  • Closed in an LLC
Rate & Term Refi · Sacramento
$412,000
  • Lowered rate on a 30-year fixed
  • 1.24 DSCR at closing
  • Funded in 19 days
Purchase · Fresno
$298,000
  • 1.16 DSCR at 80% LTV
  • Closed in an LLC
  • Central Valley entry-level rental

Ready to Move on Your California Deal?

Get a real DSCR read on your scenario — no credit pull, no income docs, no obligation.

View My California Loan Options

California DSCR loan FAQ

Straightforward answers to the most common questions about financing California rentals with DSCR loans.

No. A DSCR loan qualifies on the property's rental income versus its payment, so there are no personal tax returns, W-2s, or debt-to-income requirements. Your credit and reserves still matter, but the property's cash flow does the qualifying.

Yes. You can vest title in an LLC, the way many investors hold California rental property, or in your personal name. LLC vesting is supported on these loans.

California's statewide Tenant Protection Act (AB 1482) caps annual rent increases on most non-exempt rental housing. Because DSCR depends on rent growth, it's worth underwriting future increases at the statutory cap rather than assuming faster market-rate appreciation.

It depends on the city. Many California municipalities — including parts of Los Angeles, San Francisco, and Santa Monica — restrict or require permits for short-term rentals, and rules vary block by block in some cases. Confirm local zoning and permit requirements before assuming a property can operate as an STR, and check with us on lender eligibility for that specific address.

Plan on roughly 20 to 25 percent down. Purchases and rate-and-term refinances go up to 80% LTV and cash-out refinances up to 75%, with the exact leverage tied to credit, DSCR, and property type.

DSCR loans for California rental investors

OneDSCR helps real estate investors finance rental properties throughout California using the property's rental income as the primary qualification metric. Whether you're buying a single-family rental in the Inland Empire, refinancing a duplex in the Bay Area, or scaling a portfolio in Sacramento, the loan is structured around the property's cash flow rather than traditional employment income.

Ready to finance your next California rental?

Get a real DSCR read on your scenario — no credit pull, no income docs.

See My California Loan Options

This is not an offer to lend or extend credit. All loan applications are subject to underwriting review, credit approval, and verification of information. Not all applicants will qualify. Loan terms, rates, LTVs, and availability are subject to change without notice and may vary based on creditworthiness, property type, market conditions, and jurisdiction. DSCR figures shown by the calculator are estimates only. OneDSCR originates loans for investment properties only.