Loan program
DSCR investor loans in Culver City
For rental property investors. The loan is based on the property's rental income, not your personal income.
No credit check to see your options
Is it right for you?
DSCR investor could be a fit if…
- You're buying or refinancing a rental
- You own several properties
- You don't want to show personal income
- The rent covers the payment
The honest view
Pros and cons
What's good
- No personal income documents with many lenders
- Can close in an LLC
- Scales for investors with many properties
What to watch
- Usually costs more than conventional
- Often needs a larger down payment
- Only for investment properties
Compare
How DSCR investor compares
I compare these side by side with real lender pricing before you choose.
Swipe the table to compare →
| Feature | DSCR investor | Conventional | Bank statement |
|---|---|---|---|
| Best for | Rental properties that qualify on their own rent | Two years of solid tax returns | Freelancers and business owners with big write-offs |
| Backed by | Not government-backed (non-QM) | Not government-backed (Fannie Mae / Freddie Mac rules) | Not government-backed (non-QM) |
| Credit | Varies by lender | Usually higher than FHA | Varies by lender |
| Mortgage insurance | Usually none | Needed below 20% equity; removable later | Usually none |
| Property | Investment properties only | Main home, second home or rental | Main home, second home or rental |
| Loan limit | Set by each lender | Conforming limit set by county | Set by each lender |
What does DSCR mean?
Debt service coverage ratio: the property's rent divided by its monthly payment, taxes, insurance and HOA.
Can I use short-term rental income?
Some lenders allow it. I'll find the ones that do.
Can the loan be in my LLC's name?
Often yes. Many DSCR lenders lend to LLCs.
Can I use it for my own home?
No. DSCR loans are only for investment properties.
Reviews
Read all on GoogleDon't take my word for it
“Sample review — replace with a real one. Closed my second rental in my LLC without showing a single tax return.”
“Sample review — replace with a real one. Two banks said my income was too low. Brian used my business statements and got us approved.”
“Sample review — replace with a real one. Pulled equity for my studio build-out. Brian laid out three options in plain English.”
Let's see if DSCR investor is your best option.
Two minutes, no credit check. I'll compare it against every other loan you qualify for.
Get My DSCR investor QuoteOr call or text (310) 555-0177