DSCR Loans California — Resolution Equity
DSCR Loans
Qualify based on your property's rental income — not your personal income. The investor's loan of choice.
Key Benefits
- No personal income verification required
- No tax returns or W-2s needed
- Qualify based on property cash flow
- Available for single-family and multi-unit rentals
- Short-term rental (Airbnb/VRBO) eligible
- Unlimited properties / no limit on financed properties
- LLC and entity vesting allowed
- Cash-out refinance available
About DSCR Loans
Debt Service Coverage Ratio (DSCR) loans are designed for real estate investors who want to qualify based on the income a property generates rather than their personal income. If the property's rental income covers the mortgage payment, you may qualify — no tax returns, no W-2s, no employment verification required.
How DSCR is Calculated
DSCR = Gross Rental Income ÷ Total Monthly Debt Service (PITIA). A DSCR of 1.0 means the property breaks even. Most programs require a DSCR of .75–1.25 or higher. At Resolution Equity we have access to programs that allow a DSCR as low as 0 (ZERO).
Eligible Property Types
DSCR loans are available for 1–4 unit residential investment properties, condos, townhomes, and short-term rentals. The property must be non-owner-occupied.
Loan Terms
DSCR loans are available as 30-year fixed, 40-year fixed (with or without interest-only), and ARM products. Interest-only options can improve cash flow during the early years of ownership.
Questions About DSCR Loans?
Our licensed team in Temecula is ready to walk you through your options and get you pre-qualified fast.