Rental property financing for California investors qualified on property cash flow — not personal income, W-2s, or tax returns. Serving Los Angeles, San Diego, San Francisco, Sacramento and the rest of California. If the property cash-flows at 1.2× the mortgage, you may qualify.
Yes. DSCR loans in California qualify investors based on property cash flow with a 1.2 DSCR minimum, 680+ FICO, and 20–25% down. No tax returns, W-2s, or DTI calculation required. 1–4 unit residential and 5+ unit multifamily eligible. Refi rates start at 6.25%.
Written by Ed Freeman, Capital Advisory — PeerSense. Updated April 2026.
Active DSCR deal flow across California's core rental markets. Same requirements — 1.2 DSCR, 680+ FICO, 20–25% down — apply statewide.
| Requirement | Minimum | Notes |
|---|---|---|
| DSCR | 1.20 | 1.00+ allowed with 740 FICO or 30% down |
| Credit Score | 680 FICO | 640–679 by exception, lower LTV |
| Down Payment | 20–25% | 25% if <1.2 DSCR or <700 FICO |
| Property Type | 1–4 units or multifamily | Condos, townhomes, STRs OK where legal |
| Income Docs | None | No tax returns, W-2s, DTI check |
| Reserves | 6 months PITIA | Checking, savings, stocks qualify |
| Close Time | 21–30 days | Cash-out refi: 14–21 days |
Not a commitment to lend. Rates and terms subject to underwriting. See our full DSCR loan guide for the complete program.
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