California Loan Options
DSCR Loans in California
California’s real estate market offers incredible investment opportunities, especially in high-demand areas like Los Angeles, San Diego, and San Francisco. Securing financing can be challenging, but Debt Service Coverage Ratio (DSCR) loans from Pacific Home Loans provide a tailored solution for property investors.
Unlike traditional loans, DSCR loans focus on a property’s income potential rather than personal income, making them ideal for investors looking to expand their portfolios across California’s top real estate markets, including Los Angeles County, Orange County, and Santa Clara County.
Whether you’re investing in long-term rentals or high-yield short-term properties like Airbnbs, VRBOs, condotels, or self-managed nightly rentals, Pacific Home Loans offers the expertise and flexible financing solutions to help you succeed.
What Are DSCR Loans?
Debt Service Coverage Ratio (DSCR) loans are designed for real estate investors who want financing based on a property’s rental income rather than their personal income or employment history. This specialized loan program evaluates a property’s cash flow to determine eligibility, making it an ideal solution for investors.
Whether you’re purchasing short-term rentals like Airbnbs in Los Angeles, investment properties in San Diego, or self-managed vacation homes in Orange County, Pacific Home Loans’ DSCR loans in California offer the financial flexibility you need to grow your portfolio.
Why Choose a DSCR Loan?
Unlike traditional loan programs, DSCR loans cater specifically to real estate investors who:
- Depend on rental income rather than personal earnings.
- Aim to finance multiple investment properties, including short-term rental units, simultaneously.
- Prefer a streamlined approval process with fewer income documentation requirements.
By focusing on the property’s performance, including income potential from high-demand properties such as condotels, VRBOs, and Airbnbs, Pacific Home Loans’ DSCR loans simplify the qualification process, empowering investors to secure funding quickly and efficiently.
Who Can Benefit From DSCR Loans in California?
DSCR loans are ideal for real estate investors looking to finance properties based on rental income rather than personal income. This loan program is perfect for:
- Investors expanding their rental property portfolios across California.
- Self-employed or non-traditional borrowers who don’t meet conventional income verification standards.
- Buyers seeking high-yield rental opportunities, including Airbnbs in Los Angeles, vacation rentals in San Diego, and investment properties in the Bay Area.
Available throughout California, Pacific Home Loans’ DSCR loans provide flexible financing solutions tailored to property investors statewide.
DSCR Loan Benefits
Pacific Home Loans’ DSCR loans offer a smart and flexible way to invest in rental properties across California, whether you’re financing short-term rentals, vacation homes, or long-term investment properties—all without the hurdles of traditional income verification.
Key Benefits:
✔ Faster closing times compared to traditional loans.
✔ No income or employment history required for qualification.
✔ Interest-only loan options available.
✔ Great for both new and experienced investors.
✔ Works for long-term and short-term rentals, including Airbnbs, VRBOs, and condotels.
✔ Loan amounts up to $5,000,000.
✔ Unlimited cash-out refinancing.
✔ No reserves required for cash-out loans (6 months required for loans with DSCR of 1 or more).
✔ Down payments as low as 20% on select loan programs.
Whether you’re managing Airbnbs in Los Angeles, vacation rentals in San Diego, or high-yield condotels in San Francisco, Pacific Home Loans’ DSCR loan programs provide the resources and expertise to help you maximize your real estate investment potential.
Where We Lend
Pacific Home Loans proudly serves real estate investors across California, including major investment hubs:
📍 Los Angeles County – A thriving rental market with Airbnbs, vacation homes, and long-term rental opportunities.
📍 San Diego County – High demand for coastal investment properties and military-friendly rental markets.
📍 San Francisco & Bay Area – Strong demand for short-term rental properties and high-value real estate investments.
📍 Orange County – Popular for luxury vacation rentals and long-term investment homes.
📍 Sacramento County – A growing market with affordable investment opportunities.
From California’s coastal cities to its high-demand metro areas, Pacific Home Loans is here to help you finance and grow your real estate portfolio. 🚀
*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.
