DSCR Lenders in California
22 verified DSCR lenders serving California real estate investors. Compare rates, loan programs, and close times — no tax returns required.
Scottsdale, AZ
Loan Daddy LLC is a leading DSCR loan originator helping real estate investors nationwide close fast with competitive rates and no income verification. NMLS #1831233.
Scottsdale, AZ
ARDRI offers competitive DSCR loan programs through Loan Daddy LLC. Rates from 7.00%, LTVs up to 80%, minimum DSCR 1.0, and closings in 21 days. LLC vesting available. No tax returns, no W-2s.
Austin, TX
Visio is a pioneer in DSCR lending, exclusively focused on investor rental properties. They offer 30-year fixed DSCR loans, no income verification, and close in 21 days. Rates from 7.25%.
San Francisco, CA
One of the largest DSCR and fix-and-flip lenders in the US. Kiavi offers rental loans with rates starting at 7.00%, LTVs up to 80%, and closings in as little as 15 days. Funded over $20 billion in loans.
Greenville, SC
National private lender specializing in DSCR, fix-and-flip, and new construction. Lima One offers competitive DSCR rates, flexible underwriting, and a dedicated account manager for every deal.
Westlake Village, CA
Leading private money lender offering DSCR rental loans, bridge loans, and fix-and-flip financing. Civic focuses on speed and certainty of close with competitive rates and no income verification.
Irvine, CA
CoreVest specializes in portfolio DSCR loans for investors with multiple properties. Blanket loans, single-asset rentals, and multifamily up to 100 units. Funded $20B+ to date.
Los Angeles, CA
California DSCR lender serving real estate investors with no tax returns required. Rates from 6.5%. Close in 21 days on SFR, multifamily, and STR properties.
Las Vegas, NV
Las Vegas DSCR lender specializing in Nevada investment properties including STR and vacation rentals. Bridge and fix and flip financing.
San Diego, CA
Southern California DSCR lender offering fast closes on investment properties. Non-QM and bridge products available. Serving CA, AZ, and NV.
San Diego, CA
Nationwide DSCR and non-QM lender specializing in investor portfolios. No income docs, fast close.
Stamford, CT
Data-driven lender for real estate investors. Instant DSCR approvals.
Phoenix, AZ
DSCR specialist serving Western states. Competitive rates and 30-day close guarantee.
San Francisco, CA
San Francisco Bay Area DSCR and bridge lender for experienced investors. Portfolio loans up to $5M. No seasoning requirements on cash-out.
Reno, NV
Reno DSCR lender for Northern Nevada and California border markets. Multifamily, STR, and cash-out refi. Fast closings.
Sacramento, CA
Sacramento-based DSCR lender specializing in multifamily and ground-up construction for California investors. Minimum DSCR 1.0, 680 credit.
Scottsdale, AZ
Scottsdale DSCR lender specializing in multifamily and cash-out refinances for Arizona investors. No tax returns, flexible DSCR ratios.
Oakland, CA
Oakland-based lender focused on bridge and DSCR loans for Bay Area real estate investors. Fast approvals, local market expertise.
Calabasas, CA
California-based hard money and DSCR lender with 30 years of experience.
Westlake Village, CA
Non-owner occupied specialist offering DSCR, blanket, and portfolio loans.
Charlotte, NC
Non-QM specialist offering DSCR loans, bank statement loans, and asset depletion. Strong wholesale channel. Deephaven is one of the top DSCR lenders for brokers to use with investor clients.
Great Neck, NY
Real estate crowdfunding and direct lending platform for investment properties.
DSCR Loans in California — FAQ
What is a DSCR loan and how does it work in California?
A DSCR (Debt Service Coverage Ratio) loan qualifies based on rental income rather than your personal income. Lenders in California typically require a DSCR of 1.0 or higher, meaning the property's monthly rent covers the mortgage payment. No tax returns or W-2s required.
What credit score do I need for a DSCR loan in California?
Most California DSCR lenders require a minimum 660-680 FICO score, though some offer programs down to 620. Higher scores unlock better rates and lower down payments.
What is the minimum down payment for a DSCR loan in California?
Typical DSCR loans in California require 20-25% down for single-family rentals. Multifamily (2-4 units) may require 25-30%. Some programs allow as little as 15% with strong DSCR ratios.
How fast can DSCR lenders close in California?
Most DSCR lenders on this directory offer closings in 14-21 business days. Hard money and bridge lenders can often close in 7-10 days. Compare timelines by viewing individual lender profiles.
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