Rental income. A new acquisition.
DSCR Purchase Loans in Los Angeles
DSCR purchase loans help eligible Los Angeles investors buy a rental property using the property’s rental income as a key part of qualification. The lender also reviews credit, funds, and property eligibility.
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 Purchase Loans?
How does the property’s rent compare with its debt payments?
A DSCR purchase loan, also called a DSCR acquisition loan, focuses on a rental property’s income in relation to the debt payments considered by the lender. It is intended for investment property rather than a home you plan to occupy.
A signed lease or an accepted rental estimate may support the review, depending on the lender. Purchase price, valuation, down payment, reserves, and borrower qualifications still affect the available terms.
02 / See how it fits
Who This Is For
- Investors buying a rental home, duplex or small multifamily in Los Angeles
- Self-employed buyers whose tax returns do not show full income
- Investors who want to buy in an LLC
- Investors adding to a growing portfolio
What You May Need
Requirements vary by lender and program. Common items to discuss include:
- A signed loan application with credit authorization
- The purchase contract and property details
- The lease, or a rent estimate if the home is vacant
- Photo ID and entity papers if you buy in an LLC
- Proof of down payment and cash reserves
03 / Your local investment
Serving Los Angeles and Nearby Cities
Buying a vacant rental in Los Angeles or an occupied property in Inglewood? Tell us the occupancy and lease status early. We can help confirm which rental documentation a lending partner will accept for the purchase.
- 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 Purchase Loans in other states.
04 / A little clarity
Questions We Hear a Lot
Can I buy a vacant property with a DSCR purchase loan?
Some lenders accept a supported rental estimate for an eligible vacant property. The appraisal, property condition, and lender’s rental-income method determine what documentation is needed.
Can I buy through an LLC?
Some programs allow eligible LLC borrowers. Entity documents, ownership, guarantees, and borrower qualifications must meet the lender’s requirements.
How much down payment is required?
The required funds depend on the lender, property, valuation, rent, and application. We can help you discuss the down payment, closing costs, and reserves before you commit to an offer.
Do DSCR purchase loans require tax returns?
DSCR programs generally focus on property rental income rather than personal income for qualification. The lender still reviews the complete application and determines which documents are needed.
05 / Explore your options
Related Loan Options
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