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DSCR Loans

Built for real estate investors — qualify investment properties on rental cash flow rather than personal income.

DSCR

Income = property

Investors

Built for portfolios

No DTI

Personal income optional

Scale

Grow your holdings

Overview

What it is

DSCR stands for Debt-Service Coverage Ratio. These loans qualify the property based on whether its rental income covers the mortgage payment, rather than relying on your personal income documentation.

A DSCR of 1.0 means rent equals the payment; higher ratios indicate stronger cash flow.

Get Preapproved All Loan Programs

Typical requirements

An investment (non-owner-occupied) property
Rental income that supports the debt-service coverage ratio
A down payment consistent with investor programs
A solid credit profile and reserves

Potential benefits

Qualify on property cash flow, not personal income
Streamlined documentation for investors
Finance multiple properties over time
Available for short- and long-term rentals

FAQ

Common questions

What DSCR do I need?

Many programs look for a ratio at or above 1.0, though some allow lower with compensating factors. We’ll review your scenario.

Can I use this for short-term rentals?

Often yes — some DSCR programs consider short-term rental income. Guidelines vary by program.

By city

DSCR Loans by city

Los Angeles County — 2026 limit $1,249,125

Orange County — 2026 limit $1,249,125

Ventura County — 2026 limit $1,035,000

Camarillo, CA Moorpark, CA Ojai, CA Oxnard, CA Simi Valley, CA Thousand Oaks, CA Ventura, CA Westlake Village, CA

Santa Barbara County — 2026 limit $941,850

Carpinteria, CA Goleta, CA Montecito, CA Santa Barbara, CA Santa Maria, CA

San Diego County — 2026 limit $1,104,000

Carlsbad, CA Chula Vista, CA Coronado, CA Del Mar, CA El Cajon, CA Encinitas, CA Escondido, CA Imperial Beach, CA La Mesa, CA National City, CA Oceanside, CA Poway, CA Rancho Santa Fe, CA San Diego, CA San Marcos, CA Santee, CA Solana Beach, CA Vista, CA

San Bernardino County — 2026 limit $832,750

Chino, CA Chino Hills, CA Fontana, CA Hesperia, CA Ontario, CA Rancho Cucamonga, CA Redlands, CA Rialto, CA San Bernardino, CA Upland, CA Victorville, CA Yucaipa, CA

Riverside County — 2026 limit $832,750

Corona, CA Eastvale, CA Hemet, CA Indio, CA Jurupa Valley, CA La Quinta, CA Menifee, CA Moreno Valley, CA Murrieta, CA Palm Desert, CA Palm Springs, CA Rancho Mirage, CA Riverside, CA Temecula, CA

Kern County — 2026 limit $832,750

Bakersfield, CA Tehachapi, CA

Imperial County — 2026 limit $832,750

Brawley, CA Calexico, CA El Centro, CA Imperial, CA

San Francisco County — 2026 limit $1,249,125

San Francisco, CA

San Mateo County — 2026 limit $1,249,125

Belmont, CA Burlingame, CA Daly City, CA Foster City, CA Half Moon Bay, CA Menlo Park, CA Millbrae, CA Pacifica, CA Redwood City, CA San Carlos, CA San Mateo, CA South San Francisco, CA

Santa Clara County — 2026 limit $1,249,125

Campbell, CA Cupertino, CA Gilroy, CA Los Altos, CA Los Gatos, CA Milpitas, CA Morgan Hill, CA Mountain View, CA Palo Alto, CA San Jose, CA Santa Clara, CA Saratoga, CA Sunnyvale, CA

Alameda County — 2026 limit $1,249,125

Alameda, CA Berkeley, CA Castro Valley, CA Dublin, CA Fremont, CA Hayward, CA Livermore, CA Newark, CA Oakland, CA Pleasanton, CA San Leandro, CA Union City, CA

Contra Costa County — 2026 limit $1,249,125

Antioch, CA Concord, CA Danville, CA Lafayette, CA Martinez, CA Orinda, CA Pittsburg, CA Pleasant Hill, CA Richmond, CA San Ramon, CA Walnut Creek, CA

Marin County — 2026 limit $1,249,125

Corte Madera, CA Larkspur, CA Mill Valley, CA Novato, CA San Rafael, CA Sausalito, CA Tiburon, CA

Sonoma County — 2026 limit $897,000

Healdsburg, CA Petaluma, CA Rohnert Park, CA Santa Rosa, CA Sonoma, CA Windsor, CA

Napa County — 2026 limit $1,017,750

American Canyon, CA Napa, CA St. Helena, CA Yountville, CA

Solano County — 2026 limit $832,750

Benicia, CA Dixon, CA Fairfield, CA Suisun City, CA Vacaville, CA Vallejo, CA

Santa Cruz County — 2026 limit $1,249,125

Aptos, CA Capitola, CA Santa Cruz, CA Scotts Valley, CA Watsonville, CA

San Benito County — 2026 limit $1,249,125

Monterey County — 2026 limit $994,750

Carmel-by-the-Sea, CA Marina, CA Monterey, CA Pacific Grove, CA Pebble Beach, CA Salinas, CA Seaside, CA

Sacramento County — 2026 limit $832,750

Citrus Heights, CA Elk Grove, CA Folsom, CA Rancho Cordova, CA Sacramento, CA

Placer County — 2026 limit $832,750

Auburn, CA Lincoln, CA Rocklin, CA Roseville, CA

El Dorado County — 2026 limit $832,750

El Dorado Hills, CA Placerville, CA

Yolo County — 2026 limit $832,750

Davis, CA West Sacramento, CA Woodland, CA

San Joaquin County — 2026 limit $832,750

Lodi, CA Manteca, CA Stockton, CA Tracy, CA

Stanislaus County — 2026 limit $832,750

Ceres, CA Modesto, CA Turlock, CA

Merced County — 2026 limit $832,750

Los Banos, CA Merced, CA

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