California Loan Options
DSCR Loans in California
Flexible Financing for Real Estate Investors Based on Property Income
At Pacific Home Loans, we offer Debt Service Coverage Ratio (DSCR) loans in California to help real estate investors qualify using rental income from the property—not personal income or employment history. Whether you’re investing in long-term rentals, short-term rentals like Airbnb or VRBO, or condotels, our California DSCR loan program provides the flexibility and simplicity investors need.
What Is a DSCR Loan?
A Debt Service Coverage Ratio (DSCR) loan qualifies you based on how well the property can cover its own debt. We calculate this by dividing the property’s monthly rental income by its monthly mortgage payment. The higher the ratio, the more favorable your financing terms may be.
No tax returns. No W-2s. Just the numbers on the property.
Why California Investors Choose DSCR Loans
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No personal income documentation required
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Ideal for self-employed or full-time investors
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Close in an LLC or personal name
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Interest-only options available
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Loan amounts up to $5,000,000
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No limit to the number of financed properties
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Works for short-term and long-term rental properties
Who Can Benefit from a DSCR Loan?
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Real estate investors with growing portfolios
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Self-employed borrowers who deduct heavily on taxes
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Foreign nationals with rental property in California
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Airbnb, VRBO, and condotel property owners
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Borrowers looking for unlimited cash-out refinancing
Get Started with a DSCR Loan in California
If you want fast, flexible financing based on rental income—not your personal financials—our California DSCR loan program could be the perfect fit.
Contact Pacific Home Loans today and speak with a loan expert who understands real estate investing.
Popular California Markets for DSCR Loans
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Los Angeles County – Income-producing homes and ADUs in high-rent neighborhoods
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San Diego County – Short-term rental potential in coastal cities
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San Francisco Bay Area – High-value rental units and investment-grade condos
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Orange County – Strong rental demand in vacation hot spots like Newport Beach and Anaheim
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Riverside & Sacramento Counties – Affordable entry points with solid rental returns
*These products may have a higher interest rate, more points or more fees than other products requiring documentation.
Information and self-help tools are provided for your independent use and are not intended to provide investment advice. We cannot and do not guarantee loan eligibility or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to speak with one of our experienced loan officers for a loan eligibility analysis and custom rate and payment estimate.
