California DSCR Loan Features:
Up To 85% LTV For Purchases and Refinance
Up To 80% LTV For Cash Out 
Purchase, Refinance-Cash-Out Refinance



Welcome to CambridgeHomeLoan.com, your trusted partner for navigating the world of Debt Service Coverage Ratio (DSCR) loans in the vibrant state of California. 
We specialize in providing DSCR loans tailored to meet the unique needs of investors looking to thrive in the dynamic California real estate market.

The Premier DSCR Lender in California. 
Rental property investment loan option for long term cash flowing properties, up to 80% LTV

brrrr method


Up To 85% LTV
No Income Investment Loan
Just use rental income to qualify!
No DTI Programs available
Interest Only terms available
30 and 40 year amortization options

Refinaance your home


UP To 80% LTV
Cash out re-finance your investment
property to build you portfolio today!
Low Rates, High Leverage!
Minimal Documentation
Fast Close

cash out refinance


Up To 85% LTV
Refinance and reap the benefits 
from your investment property.
No income or employment required!
Up to 40 year amortization
Interest Only Options!

For investors who are looking to purchase or have an existing short-term loan looking for an opportunity to streamline a 30-year term, the (Debt Service Coverage Ratio) DSCR loan California for non-owner-occupied rental investment properties is the best way to go

Benefits of DSCR Loan California

  • No evidence of personal income required
  • Maximize cash flow with 30 and 40 year interest only programs
  • Cash out to continue buying
  • Fast Close!
  • No verification of employment

Perfect Loan for Rental Properties California. Commercial and SFR

What is A Debt Service Coverage Ratio (DSCR Loan California)?

A measure of an investment properties cash flow above its debt obligations is called the Debt Service Coverage Ratio, or DSCR. 

The Debt Service Coverage Ratio (DSCR) is the borrower’s capacity to service or repay the annual debt payment about the amount of Net Operating Income (NOI) generated by the asset. The higher the DSCR ratio, the more net operating income is available to repay the debt. These loans are different from a owner occupied California Home Loan in that they are typically financed under an LLC and do not require income or employment.

DSCR Loan California- The Process For a Fast Close!

Step By Step Californa DSCR Loan Application Process

Step 1: The California DSCR Loan Application

Open a new browser
Go to https://www.CambridgeHomeLoan.com/DSCRLoanApplication

Step 2: Submit Proof of Your Properties Income

As your creditworthiness is verified by the income you will generate from the property you are buying; you need to provide proof that your property can cover the mortgage payments. So, provide the needed documents to showcase your property’s income against the loan amount.

Step 3: DSCR Calculation and 1007 Rent Schedule

Once you submit the loan application, your lender will calculate the DSCR ratio, which must be greater than 1, to have your mortgage approved. Moreover, during the appraisal the lender will require a 1007 Rent Schedule to know the property’s fair market rent and ensure the property can sustain the mortgage with market rents.


Step 4: Closing Your California DSCR Loan

California DSCR loans do not need information about your financial history; the application and closing procedure is considerably faster than those for other types of mortgage loan programs with streamlined documentation.

cash out refinance

Fast Approvals

Streamlined Underwriting

Approval in 24 Hours

Close in as little as 3 days

DSCR Loan California

Easy Process

No Appraisal Required

Tax Returns Not Needed

No Minimum Credit Req.

DSCR Loan California

Reliable Partner

In House Capital

30+ Years of Experience

Direct Private Lender

construction loan


*Ground Up Construction
Up To 80% Of Land
* 100% of Construction
* Builders and Developers!

fix and flip loan programs


*Up to 90% of the Purchase
*100% of the Rehab.
* Closing as fast as 5 days!
* Fix to Flip or Fix to Refi .
* 30 or 40year DSCR loan

dscr loan program


*Up To 85% LTV
* Cash Out Refinance
* 15-30 Day Close!
* No Income Required
* No Employment Required

rental loan


* Cash-out & Refinance
*30 or 40 year loan..
* Closing 30 days!
* Up To 80% LTV

How to calculate a properties Debt Service Coverage for a  DSCR Loan California:


DSCR= NOI (Net operating income) -Expense
 Mortgage Payment 

Example: Income of $4000.00  Expenses $1,000.00, Mortgage Payment $2,000.00
Income – Expenses = $3,000.00 divided by $2,000 = $1.5%  DSCR ratio =1.5%
Anything over 1 means you are profitable. Under 1 means that there is not enough cash to cover your expenses.

* Loans of up to $50,000,000.
* Unlimited Cash Out
* Down Payment as low as 20% 
* No income or employment history
* Interest Only Loans Available
* Works with both short term and long term rental properties
* Cash out to purchase more investment properties
* Good for both new and investment properties
* Less paperwork than conventional mortgages

How Do You Apply for a California DSCR Loan?

To apply for DSCR loans in CA with CambridgeHomeLoan.com, you’ll need to follow our simple 5-step process. 

This process starts with a simple virtual meeting or phone call, after which we’ll move on to the loan application process.
Next, you’ll lock in your rate and we’ll send you the application and disclosures for you to sign.
After you’ve signed those, we’ll request a list of supporting documentation.
Then due diligence; This includes an appraisal of the property you’re applying for a loan for and underwriting your documents
5- You receive your clear to close and sign your closing documents.

California DSCR Loan FAQs

How Can I Qualify For A DSCR Loan California

To qualify for the DSCR Loan in California, your property’s projected NOI (net operating income) must be greater than its annual debt obligation. This means your property must generate enough income to cover the mortgage payments as a rule of thumb. CambridgeHomeLoan.com does go down to 15% under DSCR or 85% of coverage. This gives property owners time to increase rents to cover their expenses.

What is the Best Use For A DSCR Loan in California

The DSCR loan is primarily designed for real estate investors who want to generate rental income through their investment property. Considering there has been over a 30% surge in rentals across California and rents increasing weekly, adopting the means of quick and easy purchase, refinance or cash out refinance to a 30 or 40year stabilized loan product  is a is a great solution. 

If you have finished leasing up your property or have recently made repairs to your property using a bridge loan or a 2nd, the DSCR Loan is the perfect product for a stabilized rental property.

Check your eligibility for a DSCR loan in California.

How to Analyze Your Rental Property For A DSCR Loan In California

Analyzing a property for DSCR Loan is quite a bit different from the pre-approval process of conventional loans. The DSCR lender would be interested in knowing about the property’s potential to generate income. Thus, they would like to know things like:

Calculate Potential Rental Income

The first step in analyzing a property for a DSCR loan is to calculate the potential rental income. This can be done by multiplying the monthly rent by 12. An annual rental income analysis would clearly illustrate the property’s potential to generate revenue. A DSCR Loan is an investment loan and as such should be generating a profit in short order

Subtract Vacancy Loss

Next, you will need to deduct any vacancy loss from this number. This can be done by taking the vacancy rate (usually around 5%) and multiplying it by the annual rent. This will give you the amount of money that you can expect to lose due to vacancies each year. 5% is an average the many banks will use irregardless of the actual number.

Subtract Operating Expenses to get Net Operating Income (NOI)

You will need to subtract any operating expenses from the annual rent. These expenses can include things like property taxes, insurance, and repairs. This will give you the rental property’s net operating income (NOI).. The net operating income is also utilized to determine the net income for investment properties of all asset types.

Debt Service and How To Calculate The Debt Service Coverage Ratio For a DSCR Loan

The next step is to calculate the debt service. Use a mortgage calculator and enter the loan amount, amortization (typically 30yrs)  and interest amount.  This will give you the monthly debt service with includes principal and interest. CambridgeHomeLoan.com has a number of investment loan products for DSCR Loans. You can calculate using 30yr principal and interest, 30 year interest only, 40 year, etc.. Speak with your CambridgeHomeLoan.com account advisor for different options.

DSCR -Debt Service Coverage Ratio

Next, you will need to calculate DSCR. To get DSCR, divide the debt service by the NOI of the property. This will give you the debt service coverage ratio (DSCR). The DSCR or Debt Service Coverage ratio for investment properties in California is the most popular loan type for rental properties.

Additional hard money loan resources can be found HERE!

What are the best places in California to invest with a DSCR Loan?

See below some cities that have historically been considered strong for real estate investment in California. Please note that market conditions can change, and it’s crucial to conduct thorough research or consult with real estate professionals for the latest insights. As of the last information available, some cities to consider for potential real estate investment in California include:

1. San Francisco California:
– The tech hub of Silicon Valley continues to attract high demand for housing, making it a potentially lucrative market. However, it’s essential to be aware of the local market dynamics and affordability challenges. Many areas as of this writing in December of 2023 are still receiving multiple offers driving prices up even higher.

2. San Jose:
– As part of Silicon Valley, San Jose benefits from the technology sector’s growth and has a strong job market, making it an attractive city for real estate investment.

3. Los Angeles California:
– A diverse and dynamic city with various neighborhoods, Los Angeles offers different investment opportunities. Keep an eye on areas with development projects and improving infrastructure. Los Angeles has great areas for almost every price point for investors to profit from.  Seek out experienced investment realtors to help locally.

4. Oakland:
– Proximity to San Francisco and a focus on urban development make Oakland an interesting market. Some neighborhoods in Oakland have experienced revitalization and increased demand.

5. Sacramento California:
– As the capital of California, Sacramento has seen steady growth and is considered more affordable compared to some other major cities in the state. The city’s real estate market may benefit from ongoing development initiatives.

6. Irvine:
– Located in Orange County, Irvine has a reputation for planned communities, excellent schools, and a strong job market. It’s a city that often attracts families and young professionals.

7. San Diego:
– With its beautiful coastal location, San Diego remains an attractive real estate market. The city’s diverse economy and strong tourism industry contribute to its stability.

8. Riverside:
– Riverside, part of the Inland Empire region, has seen population growth and is often considered a more affordable option compared to coastal cities. It’s essential to research specific neighborhoods for potential investment opportunities. CambridgeHomeLoan.com can provide up to 90% of the purchase price and 100% of the rehab costs to help you get started in the fix and flip or rental business.

Always conduct thorough market research, analyze current trends, and consider the unique factors influencing each city before making real estate investment decisions. Additionally, consulting with local real estate professionals or financial advisors can provide valuable insights into specific market conditions and opportunities in 2024.

CambridgeHomeLoan.com provides rental loans for single-family homes and two-to-four-unit multifamily properties, mixed use, investment and commercial real estate properties in the state of California.

CambridgeHomeLoan.com offers short, medium-and long-term rental loans for properties in California.

CambridgeHomeLoan.com provides a streamlined process where individuals can easily fill out the quote request form on their website to request a free, no-obligation DSCR loan quote. Click Here To Apply!

In addition to providing resources for DSCR loans in California, CambridgeHomeLoan.com offers valuable information on DSCR loans in most other states across the United States. Some of the additional resources available cover Florida, New York, Texas, New Jersey, Pennsylvania, Ohio, Michigan, Maryland, California, Michigan, and Illinois. These resources serve as a comprehensive guide to understanding and accessing DSCR loans in these states, helping individuals and companies make better informed financial and investment decisions based on their specific location and needs.

CambridgeHomeLoan.com offers up to 90% of the purchase price on Fix and Flip Loans with the ability to purchase rent stabilized properties or refinance with a DSCR Loan nationwide. CambridgeHomeLoan.com can lend up to 85% for rental loan purchases, 85% for rate and term refinancing and 80% for cash out refinance. CambridgeHomeLoan.com also allow for a DSCR loan ratio down to .80 which gives investors time to stabilize their properties.

Lenderfi.Co is a residential, investment and commercial loan lender that focuses on the California markets but does lend in 47 states nationwide. Lenderfi.co provides rental DSCR Loans up to 85% for purchase and refinance and 80% for cash out refinance.

Hardmoneyloanlender.com provides hard money and long term DSCR Loans nationwide for most asset types.