Real-estate investors — first rental to full portfolio
DSCR Loans — Qualify on the Property, Not Your Paycheck
A DSCR (Debt Service Coverage Ratio) loan qualifies you based on the rental income of the property you're buying — not your personal income, tax returns, or employment. It's the standard tool serious real-estate investors use to scale a portfolio in California.
★★★★★ 210+ five-star reviews · Free consultation · No credit pull to start
How DSCR works
Divide the property's monthly rent by its monthly payment (principal, interest, taxes, insurance, HOA). At 1.0 or above, the property pays for itself and most programs approve. Some programs allow ratios below 1.0 with stronger down payments.
No personal DTI calculation, no tax returns, no employment verification, and you can close in an LLC. That's why investors who own multiple properties — where conventional financing hits a wall at 10 financed properties — go DSCR.
Investor strategy, not just a loan
Cris invests in real estate himself and works with investor-focused realtor partners across Orange County and the Inland Empire. Expect a conversation about cash flow, BRRRR refinancing, and how this purchase fits the next three — not just a rate quote.
Program highlights
- ✓ Qualify on rental income (long-term or short-term/Airbnb in many programs)
- ✓ Close in an LLC — protect your personal name
- ✓ 20–25% down typical; cash-out refinances available
- ✓ No limit on number of financed properties
- ✓ 1–4 unit residential, condos, and some mixed-use
The Process
Getting a DSCR loan done
Most people put this off because it feels enormous. It isn't. Here's the whole thing.
- 0115 minutes
A real conversation
Tell Cris what you're trying to do. He'll tell you honestly what's possible, what it costs, and what to fix first. No credit pull, no obligation, English or Spanish.
- 0224–48 hours
A pre-approval that holds up
Full credit and income review — not a 10-minute pre-qual. Your agent gets a lender who calls listing agents to vouch for your file, which is how offers get accepted.
- 03Typically 21–30 days
Close on time
You get updates before you have to ask for them. Texts get answered the same day — usually within the hour. That's what 210+ five-star reviews are actually describing.
DSCR Loans — Questions We Get Every Week
+What DSCR ratio do I need to qualify?
Most programs want 1.0+ (the rent covers the payment). Ratios down to 0.75 are possible with larger down payments and reserves. Short-term rental income can often be used with a 12-month history or market rent analysis.
+Can I get a DSCR loan for a short-term rental or Airbnb?
Yes, many DSCR programs accept short-term rental income, documented through 12 months of actual revenue or a vendor market-rent report. We'll match your property to the program that treats STR income most favorably.
Rather just talk it through?
Call or text Cris directly. English or Spanish, no pressure, and no credit pull to get a straight answer about DSCR loans.
★★★★★ 210+ five-star reviews · Texts answered same day · Ready to apply? Start your application