Check whether your California rental property qualifies for a DSCR loan in seconds — no tax returns, no W-2, no debt-to-income calculation. Enter property value, gross monthly rent, loan amount, rate, term, taxes, insurance, and HOA. The calculator returns your debt service coverage ratio, qualification tier, current LTV, and the maximum loan amount that would qualify at a 1.25 DSCR threshold.
DSCR = Gross Monthly Rent ÷ PITI (Principal, Interest, Taxes, Insurance, plus HOA if applicable). A property at 1.25 DSCR or higher qualifies for best DSCR pricing and highest LTV at most California lenders. 1.10 to 1.24 qualifies for standard DSCR programs. 1.00 to 1.09 qualifies for break-even or no-ratio programs at a slight rate adder. Below 1.00 typically requires restructuring — larger down payment, lower-rate program, or expense reduction.
Debt Service Coverage Ratio (DSCR) is the rental property qualification metric used by California DSCR lenders. DSCR = gross monthly rent divided by PITI (or PITIA with HOA). A 1.25 DSCR means the property generates $1.25 of rent for every $1.00 of debt service — the threshold most lenders treat as best pricing.
Most California DSCR lenders require 1.10 to 1.25 DSCR for standard programs at best pricing. No-ratio DSCR programs are available for properties between 0.75 and 1.10 DSCR with higher down payment or rate adder. Below 0.75 typically requires restructuring.
No. DSCR loans qualify on the rental property's cash flow, not on borrower income. No tax returns, no W-2, no debt-to-income calculation. This makes them the dominant California rental property loan for self-employed investors, business owners, and portfolio scalers.
Up to 80% LTV on purchase for properties at 1.25+ DSCR. 75% LTV is standard for 1.10-1.24 DSCR. Lower LTV (65-70%) for no-ratio DSCR or sub-1.00 DSCR scenarios. Cash-out refinance LTVs are typically 5% lower than purchase.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT