Bottom Line Up Front
DSCR (Debt Service Coverage Ratio) loans qualify on property rental income vs. expenses. A DSCR of 1.0 means rent covers the mortgage. No personal tax returns or pay stubs required.
Overview
DSCR (Debt Service Coverage Ratio) loans qualify on property rental income vs. expenses. A DSCR of 1.0 means rent covers the mortgage. No personal tax returns or pay stubs required.
Who Qualifies?
DSCR 0.75-1.25 minimum. 660+ credit. 20-25% down. Investment property only.
Key Benefits
- ✓No income verification
- ✓Unlimited properties
- ✓LLC ownership
- ✓No DTI calculation
- ✓Portfolio scalability
✅ Pros
- No tax returns
- Scalable
- LLC vesting
- Simple qualification
⚠️ Considerations
- Higher rates
- Larger down payment
- Investment only
California-Specific Information
Increasingly popular with CA investors, especially in strong rental demand markets.
Rates & Pricing
Typically 1-3% above conventional investment rates. Better DSCR = better pricing.
Why Choose Save Financial for DSCR Loans?
Save Financial is a trusted California mortgage broker (NMLS #377740) with 45 years of combined experience and relationships with 20+ wholesale lenders. We specialize in finding the best dscr loans rates and terms for California borrowers. Our $500 price guarantee means if we can't beat another lender's offer, you get $500. We serve 60+ California cities from our offices in Newport Beach and Marina del Rey, and our team speaks English and Spanish.
Call (888) 703-1840 or get a free quote online — open 7 days a week, 9AM–8PM.
$500 Cash Loan Price Match Guarantee
Get a written offer from any lender. If Save Financial cannot beat it for the same product, we pay you $500 cash.
NMLS #377740 · DRE #01875766 · Call (888) 703-1840
Reviewed By
Mike Baasti, Licensed Mortgage Broker
Founder of Save Financial, Inc. (NMLS #377740) in Newport Beach, CA. 20+ years in residential and investment lending across conventional, FHA, VA, jumbo, hard money, bank statement, and specialty mortgage programs.