Debt Service Coverage Ratio (DSCR) loans are revolutionizing how investors build rental portfolios in California. By qualifying the loan based on the property's cash flow rather than the borrower's personal income, DSCR loans eliminate the need for tax returns, W-2s, and complex debt-to-income calculations.
Ideal for self-employed investors or those looking to scale rapidly, our DSCR programs provide 30-year fixed-rate stability. Whether you are investing in short-term rentals in coastal cities or long-term holds in growing inland markets, we offer competitive rates and seamless execution to help you grow your wealth.
A DSCR of 1.0 or higher is typically required, meaning the rental income covers the mortgage payment. However, we have programs for ratios slightly below 1.0 for strong borrowers.
Yes, we accept AirDNA projections or historical short-term rental data to calculate the DSCR.
When closed under an LLC or corporate entity, our DSCR loans typically do not report to personal credit, protecting your personal DTI.
No. Because these loans are asset-based, there is no strict cap on the number of properties you can finance, making them ideal for scaling.
Generally, a minimum FICO score of 660 is required, though higher scores secure better rates and higher leverage.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT