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Loan Programs

DSCR Loan

Business-purpose rental-property financing focused on property cash flow.

Apply for a Loan Call (949) 933-6309 →

Overview

A debt-service-coverage-ratio loan assesses eligible rental income relative to the property payment or debt service under the lender’s method. It is generally intended for non-owner-occupied investment property, not a personal residence.

A particular ratio does not guarantee approval. Credit, equity, reserves, property eligibility, and rent documentation also matter. Review prepayment penalties, loan term, any balloon payment, and entity requirements before choosing a business-purpose loan.

Who it's for

  • Real estate investors building rental portfolios
  • Self-employed buyers with strong rental cash flow but weak tax returns
  • Out-of-state investors buying rentals across the country
  • Short-term rental (STR) operators on STR-friendly DSCR programs

What's typically reviewed

  • Property rental income (lease, market rent appraisal, or AirDNA for STR)
  • Entity structure allowed (LLC vesting common)

This is a general description, not a guarantee of approval. Specific requirements vary by lender and program. Final qualification is determined during underwriting.

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Other programs you might be looking for

Purchase Loan

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Rate & Term Refinance

Replace your current mortgage with a new one at a different rate or term — without taking cash out.

Cash-Out Refinance

Replace your existing mortgage with a larger loan to access available equity.

Conventional Loan

Mortgage financing that is not insured or guaranteed by a government agency.