Rental income. Your next investment.
DSCR Loans in Los Angeles
A DSCR loan helps Los Angeles real estate investors buy or refinance a rental property using the rent the property earns, rather than personal income.
The Funding ClinicMailing address: 5665 W. Wilshire Blvd #1506, Los Angeles, CA 90036(844) 524-3863 · Mon–Fri 9:00 AM–5:00 PM
01 / Understand the loan
What Are DSCR Loans?
DSCR stands for Debt Service Coverage Ratio. In plain words, it asks one question:
Does the rent cover the loan payment?
DSCR lenders review the property’s rental income alongside other application details. This approach can help investors whose tax returns do not show their full income.
The Funding Clinic is a broker. We shop your deal with our lending partners and help you pick a fit.
02 / See how it fits
Who This Is For
- Investors buying a rental in Los Angeles or nearby
- Investors who want to refinance a rental and pull out cash
- Self-employed owners whose tax returns do not show their full income
- Anyone growing a portfolio of rentals
What You May Need
DSCR loan requirements vary by lender. Here is a common list:
- A signed loan application with credit authorization
- Property details and the lease or expected rent
- Photo ID and entity papers (if you buy in an LLC)
- Proof of cash reserves
- A credit report and property management experience
03 / Your local investment
Serving Los Angeles and Nearby Cities
We help real estate investors with properties in Los Angeles and nearby communities.
- Los Angeles
- Inglewood
- Culver City
- Beverly Hills
- West Hollywood
- Santa Monica
- Glendale
- Burbank
- Pasadena
- East Los Angeles
- Hawthorne
- Compton
- Alhambra
See all our Los Angeles loans or see all areas we serve. Investing outside Los Angeles? See DSCR Loans in other states.
How DSCR Loans Work for Los Angeles Rentals
Los Angeles rentals come with a few details that can change how a DSCR loan looks on paper. Lenders compare the rent to the monthly payment, so it helps to know the numbers before you make an offer.
Rent: Lenders usually use a signed lease or a market rent opinion from the appraisal. If your building is an older apartment building, Los Angeles rent stabilization rules may limit how much rent can go up. Ask your attorney if your building is covered.
Taxes and insurance: In California, property taxes are often reassessed after a purchase, and insurance costs vary by area. These costs are part of the monthly payment, so they can change your ratio.
Property type: Single-family homes, duplexes, triplexes, fourplexes, condos, and homes with an ADU are all common in Los Angeles. Which ones qualify depends on the lender.
We shop your deal with our lending partners. We cannot promise approval or terms, but we can tell you early whether a deal looks like a fit.
04 / A little clarity
Questions We Hear a Lot
Do you look at my tax returns for a DSCR loan?
DSCR loans are built around the property’s rent, not your personal income. Your lender will still check your credit and your cash reserves.
What are the requirements for a DSCR loan?
DSCR loan requirements vary by lender. You may need a signed loan application with credit authorization, property details, a lease or expected rent, photo ID, entity papers if buying in an LLC, and proof of cash reserves. Your lender will also review credit and property management experience.
Can I use a DSCR loan on a short-term rental?
Yes. We work with lending partners that offer DSCR loans on short-term rentals.
What does a DSCR of 1.0 mean?
A DSCR of 1.0 means the rent is about equal to the monthly payment. Many lenders prefer a ratio above 1.0, but requirements vary by lender and by loan.
Can I buy in an LLC with a DSCR loan?
Many DSCR lenders allow loans to an LLC. You may need to provide your entity papers. Rules differ by lender, so we check this first.
Does Los Angeles rent control affect a DSCR loan?
It can affect how much rent a lender counts. If your building falls under local rent rules, the rent may be limited. Ask your attorney about your building, and tell us early so we can plan around it.
Can I use a DSCR loan on a duplex, fourplex, or a home with an ADU?
Many lenders finance small multifamily properties and some count the rent from an ADU. What they accept varies, so send us the property details and we will check.
How much cash may I need for a DSCR loan?
You may need money for a down payment, closing costs, and cash reserves. The amounts vary by lender and by deal. We can walk through it with you on a call.
05 / Explore your options
More Loans for Investors
Our track record
Recently Funded Loans
A few of the loans we arranged in the past year. To protect our clients’ privacy, we show only the loan type, city and month.
- DSCR loanColumbia, SCOctober 2026
- Investor refinanceIndianapolis, INOctober 2026
- RefinanceCompton, CASeptember 2026
- DSCR loanSavannah, GAAugust 2026
- DSCR refinanceMilwaukee, WIJune 2026
- DSCR loanSavannah, GAJune 2026
- DSCR loanAlbany, GAJune 2026
- Asset-based refinanceSan Diego, CAJune 2026
- DSCR purchaseSavannah, GAMay 2026
- DSCR loanAlbany, GAMay 2026
- DSCR loanMemphis, TNMarch 2026
Past results do not guarantee approval. Every loan depends on the lender’s review and the details of your deal.
Know Who You’re Working With
The Funding Clinic is a mortgage broker. We arrange loans funded by third-party lenders. View our BBB business profile to learn more about our company. Read our Google reviews
Your next move starts here
Ready to talk about your deal?
Tell us about your deal. We will help you find the right loan.
The Funding ClinicMailing address: 5665 W. Wilshire Blvd #1506, Los Angeles, CA 90036(844) 524-3863 · Mon–Fri 9:00 AM–5:00 PM