A DSCR loan, or Debt-Service Coverage Ratio loan, is a type of mortgage designed for real estate investors. Instead of verifying your income with tax returns or pay stubs, lenders focus on your property’s income potential. If your rental income can cover the monthly loan payment, you’re in business.
Whether you’re building a portfolio of short-term rentals or acquiring your first income-producing property, a DSCR loan in California can be your next strategic move.
We believe a strong investment strategy should qualify you for a loan — not just a W-2.
DSCR loans are built for savvy investors who:
Want to qualify based on rental income instead of personal income
Prefer not to show tax returns or traditional documentation
Are scaling their real estate portfolio quickly
Need fast, asset-based lending to stay competitive
If that sounds like your investment style, you might be a perfect fit.
We believe in turning rental income into real leverage.
California’s hot rental markets make DSCR loans a powerful tool. Here’s how it works:
Your property’s Debt-Service Coverage Ratio (DSCR) is calculated by dividing the monthly rental income by the monthly mortgage payment (PITIA).
Most lenders look for a DSCR of 1.0 or higher, meaning the property generates enough income to cover the debt.
No W-2s, no tax returns — just proof that the deal cash flows.
CLG specializes in matching investors with the best DSCR loan rates based on your strategy and long-term goals.
Getting started is easier than you might think. You’ll typically need:
We believe you should never miss a deal because your paperwork can’t keep up.
We believe your financials don’t always tell the whole story — your strategy does. That’s why investors across California choose CLG to secure DSCR loans that work on their terms.
When you work with us, you get:
Access to the best DSCR loan rates available
Clear, no-pressure guidance from professionals who understand investing
Fast closings and flexible lending structures
A trusted partner in your long-term real estate growth
We’ll walk you through the process step by step — and tailor your loan around your next big opportunity.
With DSCR loans, your debt service coverage ratio matters more than your personal income. Make sure your property generates consistent, verifiable rental income.
Lenders want clear proof of rent rolls, lease agreements, and operating expenses. Having these documents well-organized makes the underwriting process smoother.
Many lenders require a minimum DSCR of 1.25. Know your target ratio and calculate it before applying to set realistic expectations and strengthen your application.
Let’s talk strategy. Whether you’re eyeing your next short-term rental or building long-term passive income, we can help you access the capital you need — fast.
Schedule a free consultation with our team and let’s make things happen!
Schedule a free consultation with our team and let’s make things happen!
