DSCR Loans

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What Are DSCR Loans?

DSCR loans are a game-changer for real estate investors. Unlike traditional financing, which scrutinizes personal income and employment history, DSCR loans assess the property's cash flow. This means your loan eligibility hinges on the property's ability to cover its debt obligations, not your personal financials. 

Unlock the full potential of your real estate investments in San Diego with our specialized Debt Service Coverage Ratio (DSCR) loans. Designed exclusively for savvy investors like you, DSCR loans focus on your property's income-generating capability, streamlining the path to expanding your portfolio.

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Why Choose Our DSCR Loans in San Diego?

  • No Income Verification

    Say goodbye to the hassle of providing W-2s, tax returns, or bank statements. With DSCR loans, there's no need for income verification, making the process swift and straightforward.

  • Streamlined Process

    Our no-income-verification approach eliminates traditional barriers, focusing solely on your investment's cash flow. This DSCR-centered method ensures a hassle-free experience, catering specifically to real estate investors' unique needs. 

  • Flexible Terms

    Enjoy the benefits of full 30-year terms with flexible options tailored to your investment strategy. Whether you're purchasing a new property or refinancing an existing one, DSCR loans in California offer the flexibility you need.

  • Quick Approvals

    Time is of the essence in real estate. Our streamlined process ensures you can seize opportunities without delay, with less documentation required compared to traditional loans.

Ideal Candidates for DSCR Loans

  • Real Estate Investors: Whether you're a seasoned investor or just starting, DSCR loans are tailored for those looking to invest in income-generating properties.


  • Self-Employed Individuals: If traditional income documentation is a hurdle, DSCR loans offer a viable alternative by focusing on property cash flow.


  • Portfolio Expansion: Looking to grow your real estate holdings? DSCR loans provide the flexibility and efficiency needed to scale your investments.

How to Calculate DSCR

Understanding your property's DSCR is crucial. It's calculated by dividing the property's gross rental income by its total debt obligations. A DSCR of 1 or higher indicates the property generates sufficient income to cover its debts, making it a strong candidate for a DSCR loan. 

Why San Diego?

San Diego's vibrant real estate market offers lucrative opportunities for investors. With a diverse economy and growing population, rental properties here promise attractive returns. Our local expertise ensures you receive personalized service tailored to the San Diego market dynamics.

Getting Started with Your DSCR Loan

  1. Consultation: Reach out to our team to discuss your investment goals and assess your eligibility.
  2. Property Evaluation: We'll analyze the property's income potential to determine the appropriate loan amount.
  3. Customized Loan Terms: Our experts will work with you to structure loan terms that align with your investment strategy.
  4. Swift Approval and Funding: Benefit from our efficient process, ensuring you have the funds ready when opportunity knocks.

Partner with Us

As a local lender deeply rooted in the San Diego community, we understand the unique opportunities and challenges of this market. Our commitment is to provide you with personalized, efficient, and flexible financing solutions that empower your real estate investment journey.

Contact Us Today!

Ready to take the next step? Contact us today to explore how our DSCR loan programs can help you achieve your real estate investment goals in San Diego.