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.
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.
05 / Explore your options
More Loans for Investors
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