California DSCR Loans

DSCR Loans in Los Angeles, CA

From Koreatown duplexes to Valley single-family rentals, Los Angeles investors use DSCR loans to acquire and refinance rental property without underwriting the deal to their W-2 income.

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Neighborhoods and submarkets we see the most DSCR activity in

We regularly see DSCR activity in the San Fernando Valley, South Bay, Eastside neighborhoods like Highland Park and El Sereno, and classic multifamily corridors in Koreatown and Mid-City.

What kind of properties qualify

Small multifamily (duplex through fourplex) is especially common in LA DSCR lending given the number of legally non-conforming and ADU-enhanced properties across the city. Single-family rentals and condos are also frequently financed.

Frequently asked questions

Are ADUs considered in DSCR calculations in Los Angeles?

Some lenders will credit ADU rental income toward your DSCR if it's documented; policies vary by lender, so confirm during the matching process.

What credit score do I need for a DSCR loan in LA?

Many programs start around the mid-600s, though better pricing is typically available at 700+. Your specific rate depends on the lender, ratio, and loan-to-value.