DSCR Rental Lending
Financing for 1-4 unit rental investment properties, qualified on the property's cash flow instead of your personal income.
DSCR (Debt Service Coverage Ratio) loans are designed for real estate investors building or growing a rental portfolio. Instead of underwriting your personal tax returns and W-2s, the lender evaluates whether the property's rental income covers its own mortgage payment — making this program especially useful for self-employed investors or anyone whose personal income doesn't reflect their actual investing capacity.
Based in San Rafael, we arrange DSCR loans for Bay Area rental property investors as well as investors nationwide.
Apply Now- 1-4 unit rental investment properties
- Qualify on property cash flow, not personal income
- Maximum 80% loan-to-value
- Nationwide lending from $100,000+
- No tax returns or income verification required
- Fast close, ideal for growing a rental portfolio
| Lending Area | Nationwide, with preferred programs for Western states |
|---|---|
| Loan Amount | $1,000,000 and up nationwide; $350,000 and up in California |
| Maximum LTV | Up to 80%, based on risk and in-place cash flow |
| Fixed Rates | Starting at — |
| Amortization | 30-year amortization standard |
| Recourse | Non-recourse options available |
| Prepayment | Ranges from none to yield maintenance or stepdown |
| Underwriting | Starting at a 1.15x debt service coverage ratio |
DSCR loan questions
Yes — we're based in San Rafael and regularly arrange DSCR financing for rental properties throughout Marin County, San Francisco, and the greater Bay Area, alongside our nationwide lending programs.