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DSCR Loans California | Investment Property | No Income Required | Save Financial
📞 Call/Text 24/7: 888-703-1840 | ⭐ 4.9★ on Google · Yelp · Zillow | NMLS #377740 · DRE #01875766
Investment Property Specialist — DSCR Loans

DSCR Loans for Real Estate InvestorsQualify on Rental Income — Not Yours

The property pays for itself — so why should your personal income matter? DSCR loans let investors qualify based on the rental income the property generates. No tax returns, no pay stubs, no employment verification.

80% Max LTV
$5M+ Max Loan Size
0.75+ Min DSCR Ratio
620+ Min FICO Score
  • 📈 Qualify based on property cash flow — not personal income
  • 📄 No tax returns, W-2s, or pay stubs required
  • 🏘️ SFR, 2–4 units, condos, short-term rentals (Airbnb/VRBO)
  • 💰 Loans up to $5M+, LTV up to 80%
  • 🔁 Unlimited financed properties allowed
  • 🏢 LLC / corporate vesting available
🔥 Free Quote — No Obligation

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DSCR Investment Property Loan Programs

Our DSCR Investment Property Loan Options

Save Financial offers multiple dscr investment property loan programs tailored to your specific situation — serving all of California.

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SFR DSCR Loans

Single-family rental properties — the most common DSCR loan. Up to 80% LTV, DSCR from 0.75.

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2–4 Unit DSCR

Small multi-family residential properties. All units' combined rent used for DSCR calculation.

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Short-Term Rental DSCR

Airbnb and VRBO properties using actual or projected short-term rental income.

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Multi-Family DSCR

5–50 unit apartment buildings qualifying on net operating income.

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Cash-Out DSCR Refi

Pull equity from your existing rental portfolio — no income docs, just the property's rent roll.

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No-Ratio DSCR

For strong borrowers with lower DSCR properties. No ratio calculation required — LTV and credit-based approval.

Why Save Financial

45 Years of Experience. California's Top-Rated Lender.

Licensed with 20+ lenders, 2,500+ loans funded, and a 4.9-star rating across Google, Yelp, and Zillow.

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Property Cash Flow Qualifies

We use the subject property's market rent to calculate DSCR. If rent covers the mortgage, you qualify — regardless of personal income.

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LLC & Entity Vesting

Close your investment loans in your LLC, trust, or corporation — protecting your personal assets and simplifying portfolio management.

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No Loan Limits

Already have 10 financed properties? No problem. DSCR loans have no limit on the number of properties you can finance.

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Short-Term Rentals OK

Airbnb and VRBO properties qualify using Airbnb income data or market rent — whichever is higher. STR-friendly underwriting.

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Cash-Out for Growth

Pull equity from existing rentals to fund your next acquisition. Cash-out refinance available up to 75% LTV.

Fast & Streamlined

Simplified underwriting means faster closings — typically 21–30 days. No CPA letters, no employer verification.

Client Reviews

What Our Clients Say

★★★★★

"Ali is the best! I've been in real estate for 31 years and Ali stands out on top. Quick to respond, delivered as promised, and we got a fantastic rate. His team's use of technology made the whole process painless."

Ted Boyce
Los Angeles, CA
Google Review
★★★★★

"Mike and Ali helped with multiple transactions — buying, selling, financing, and refinancing. In every deal, they explained all details, were very experienced, professional, responsive, and found the best financing deals."

Scott Tachibana
Newport Beach, CA
Google Review
★★★★★

"Everything Ali discussed on the initial call came through as planned. Efficient, always available with quick responses, and the entire experience was seamless. Competitive rate and I'd highly recommend Save Financial."

Greg C.
Temecula, CA
Yelp Review
Common Questions

Frequently Asked Questions

What does DSCR stand for and how is it calculated?
DSCR stands for Debt Service Coverage Ratio. It's calculated by dividing the property's gross monthly rent by the monthly mortgage payment (PITIA — principal, interest, taxes, insurance, and HOA). A DSCR of 1.0 means the rent exactly covers the payment. Most lenders require a minimum of 0.75–1.0. Example: $3,000 rent ÷ $2,500 PITIA = 1.20 DSCR.
What is the minimum DSCR ratio Save Financial requires?
Our DSCR programs start at a minimum ratio of 0.75, meaning the property can be slightly cash-flow negative and still qualify. For the best rates, a DSCR above 1.0 is preferred. Some programs have a "no-ratio" option for strong borrowers.
Can I close a DSCR loan in my LLC?
Yes — and we recommend it for portfolio investors. DSCR loans are specifically designed for entity vesting. You can close in an LLC, LP, trust, or corporation, allowing you to keep your investment properties separate from personal liability.
Do DSCR loans work for short-term rentals (Airbnb/VRBO)?
Yes. We offer DSCR programs that accept short-term rental income. We can use Airbnb/VRBO historical income data, a third-party rental analysis (like AirDNA), or the market long-term rent — whichever best represents the property's income potential.
How many DSCR loans can I have at one time?
There is no limit. Unlike conventional Fannie Mae loans which cap at 10 financed properties, DSCR loans are not subject to this restriction. Many of our clients have 20, 30, or even 50+ properties all financed with DSCR loans.

Qualify Your Investment Property for a DSCR Loan Today

No obligation. No hard credit pull. A loan officer will contact you within 24 hours.

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Our team will contact you within 24 hours. Or call us now: 888-703-1840

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Resource Guide

DSCR Loans for Real Estate Investors in California — Complete Guide

DSCR loans — Debt Service Coverage Ratio loans — have become the go-to financing tool for real estate investors who want to grow their rental portfolios without the hassle of documenting personal income. Save Financial offers DSCR loans throughout California for experienced and first-time investors alike.

Unlike conventional investment property loans that require tax returns, employment verification, and count all your existing debt obligations, DSCR loans qualify the property — not the borrower. The lender simply asks: does the rent cover the mortgage? If yes, you qualify.

The DSCR ratio is calculated by dividing the monthly market rent by the monthly PITIA payment (Principal, Interest, Taxes, Insurance, and Association dues). A ratio of 1.0 means break-even. Most programs accept DSCR ratios as low as 0.75, and some "no-ratio" programs don't even require a minimum.

This makes DSCR loans ideal for: self-employed investors whose tax returns understate income, high-earners with complex tax situations, investors who already have 10 conventional loans (the Fannie Mae limit), foreign nationals without U.S. credit history, and anyone building a scalable rental portfolio.

Save Financial's DSCR programs cover single-family residences, 2–4 unit properties, condominiums, short-term rentals (Airbnb and VRBO), and small multi-family buildings (5–50 units). We offer 30-year fixed, 5/1 ARM, 7/1 ARM, and 40-year interest-only options with competitive investor pricing.

We serve real estate investors across all of California — Los Angeles, Orange County, San Diego, San Francisco, Sacramento, Fresno, the Inland Empire, and beyond. LLC and entity vesting is available and encouraged for portfolio protection.

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