DSCR Loans

in San Diego

Smart Financing for Real Estate Investors

A Debt Service Coverage Ratio (DSCR) loan is designed for investors who want to qualify based on a property’s cash flow rather than personal income. That means no tax returns, no W-2s — just numbers that prove the property can pay for itself.

INVESTOR STRATEGY

SCHEDULE A CONSULT

  • DSCR loans for single family, 2-4 units and 5-9 unit properties
  • No personal income verification required
  • Qualification based on rental income or projected cash flow
  • Options for short-term and long-term rental properties
  • Faster approvals than traditional loans

Let’s discuss your options

In San Diego’s competitive market, DSCR loans make it possible to move quickly on opportunities while keeping financing flexible. This type of non-QM loan is ideal for buyers building rental portfolios, purchasing short-term rentals, or scaling into multifamily properties.

Why Investors Choose DSCR Loans

If the property generates enough income to cover the payment (typically 1.0 or higher), you may qualify. I help clients run these numbers before making an offer so you know exactly where you stand.

How DSCR Loans Work

Lenders use a simple formula

Ready to expand your portfolio?

SCHEDULE A CONSULT

Let’s discuss how a DSCR loan can help you secure your next San Diego investment property.

Frequently Asked Questions

Most lenders look for a ratio of 1.0 or higher, meaning the property brings in enough income to cover its mortgage payment. Some programs allow flexibility below 1.0 depending on reserves and overall strength of the deal.

What is the minimum DSCR ratio to qualify?

Yes. DSCR loans can be used for both long-term and short-term rentals, including Airbnb and VRBO properties, as long as income projections support the loan payment.

Can I use a DSCR loan for a vacation rental in San Diego?

No. That’s the advantage of this type of loan, qualification is based on the property’s cash flow, not your personal income history.

Do I need tax returns or W-2s for a DSCR loan?